PM2

What PM2 does

PM2 (Plataforma por Metro Cuadrado S.A.P.I. de C.V., Institución de Financiamiento Colectivo) is a Mexican fintech operating a CNBV-regulated real estate crowdfunding platform at pm2.mx. Founded in 2022 and headquartered in Querétaro, the company connects individual investors with property developers by pooling small-denomination debt contributions (minimums from $1,000 MXN) to finance housing developments that are already at least 70% advanced. Investors earn projected annual yields of 12–22% (realized average ~25.33% as of T1 2026) backed by the underlying property as collateral, with a claimed 90–180 day return window.

The platform is built around a self-serve web application offering automated Planes de Inversión (recurring debit-card contributions at weekly, biweekly, or monthly cadence), Reinversión Automática (reinvestment of capital plus returns into new projects within 24 hours of completion), an investment calculator, a per-user portfolio dashboard, and a referral/bonus (Bonos PM2) engine. Payments are processed through TOKU, which aggregates Conekta, Kushki, and EVO, and PM2 does not store card data internally. Security includes two-factor authentication, 5-minute session timeouts, and account lockout after three failed login attempts. PM2 is required under Article 76 of Mexico's Ley Fintech to publish open-data APIs and quarterly Anexo 17 statistics.

PM2's revenue model is a developer-side transaction fee: 5%–12% plus VAT of the financed amount, tiered by risk, with no commission currently charged to investors. As of T1 2026 the platform had 1,809 active investors, 20 active developers (solicitantes), and $204.1M MXN in cumulative financing across 653 projects. Marketing combines a self-serve website, educational webinars, Facebook-driven referral mechanics, an Embajadores ambassador program, and direct sales outreach for higher-ticket offerings such as the 4th Anniversary 'San Miguel Premium' campaign (April–May 2026).

Name

PM2

Legal name

Plataforma por Metro Cuadrado S.A.P.I. de C.V., Institución de Financiamiento Colectivo

Website

https://pm2.mx

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

PM2 is a CNBV-regulated Mexican real estate crowdfunding platform that pools small-denomination debt contributions from individual investors (from $1,000 MXN) to finance late-stage housing developments, charging developers a 5–12% commission and earning investors targeted 12–22% annual yields.

Ownership category

akta.pro rank

Product category

Real Estate Crowdfunding

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

akta.pro secondary industries

SME Term Loans & Growth Capital (FSAKAGAB), P2P Loan Syndication & Participation Platforms (FSAKAHAL)

Keywords

• Real estate crowdfunding
• Collective debt financing
• Property-backed investments
• Fintech lending platform
• Passive income investing

Headquarters

HQ city

Lomas De Chapultepec

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Marketing or Sales, Technology or R&D, Personnel, Operations, Infrastructure

Revenue model

1. Financing commission from developers (Solicitantes): PM2 charges developers (solicitantes) seeking financing a commission of 5% to 12% of the financed amount plus VAT, determined based on the risk level of the financing. This is the primary revenue stream. No commission is currently charged to investors.
2. Platform fees: Currently PM2 does not charge any commissions on movements made by investors on the platform. The platform states that this policy may change in the future with updates to terms.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels6 records

Core offering

PM2 is a CNBV-regulated crowdfunding platform that intermediates collective debt financing between individual investors and Mexican real estate developers. Investors commit capital in increments as low as $1,000 MXN per development project, with annual yields projected between 12-22% (realized average ~25.33% per T1 2026) backed by the underlying real estate property. Developers seeking financing pay PM2 a 5-12% commission plus VAT on the financed amount, while investors pay no platform fees. Projects are typically already 70%+ advanced and return capital within 90-180 days.

Product overview

PM2 is a collective real estate financing platform (Institución de Financiamiento Colectivo) regulated by Mexico's CNBV, operating under authorization P149/2021. The core offering is the PM2 crowdfunding platform enabling debt financing for real estate development projects, where investors earn returns of 12-22% annually. The platform is supplemented by several interconnected modules: (1) Planes de Inversión for automated recurring investments via linked debit cards, (2) Reinversión Automática for compounding returns by automatically reinvesting capital and gains into new projects within 24 hours of project completion, (3) Calculadora de Inversión for investment scenario visualization, (4) Portafolio del Inversionista for tracking and managing investment positions, (5) Campañas Fondeadas representing individual projects available for funding, and (6) Bonos PM2 for promotional cash bonuses on investments. All services are provided in Mexican pesos with no platform commissions charged to investors.

Differentiator

Problem solved

Functional benefit

Products and services

• PM2 Real Estate Crowdfunding Platform A CNBV-regulated collective real estate financing platform (Institución de Financiamiento Colectivo) that intermediates debt financing between individual investors and Mexican real estate developers. Investors participate with as little as $1,000 MXN per project and earn projected annual yields of 12-22% (realized average ~25.33%) backed by underlying real estate collateral. Developers access pooled investor capital and pay PM2 a 5-12% commission plus VAT.

Quantifiable outcome

• Returns delivered within 90-180 days of investment
• +5 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• TOKUcoreTechnology or IntegrationTOKU is PM2's payment processing integration provider, managing automated debits for investment plans and recurring payments. TOKU in turn integrates with payment platforms Conekta, Kushki, and EVO. PM2 states that no card data is stored on PM2's systems, with all payment information managed through TOKU's infrastructure.
• AFICOminorOthersAFICO (Asociación de Fintechs de México) is listed as an affiliate organization of PM2. PM2 displays the AFICO logo on its website footer alongside CNBV and Buró de Entidades Financieras logos, indicating membership in the Mexican Fintech association.
• CNBV (Comisión Nacional Bancaria y de Valores)coreOthersPM2 is authorized, regulated, and supervised by the CNBV as an Institución de Financiamiento Colectivo under Oficio P149/2021, published in the Diario Oficial de la Federación on July 26, 2024. The CNBV authorization is displayed on PM2's website.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Kueski: Mexican fintech offering consumer credit and BNPL via a regulated digital platform. Comparable to PM2 as another CNBV-regulated Mexican fintech serving retail customers with a digital onboarding experience, though focused on consumer credit rather than real estate debt.
• Fundrise: US real estate crowdfunding and investment platform with a much broader product suite (eREITs, interval funds, individual deals). Comparable to PM2 in enabling retail real estate investing through a digital platform, but materially larger and more diversified.
• AlphaCredit: Mexico-based fintech providing working-capital and consumer credit products to SMEs and individuals. Comparable to PM2 in being a Mexican fintech lender, though with broader credit products and a larger institutional capital base.

Direct peers

• CrowdStreet: US online marketplace for commercial real estate investing. Comparable to PM2 in marketplace-based real estate investing and similar investor-facing tools, though serving the US market and an accredited investor base.
• RealtyMogul: US real estate crowdfunding platform offering individual properties and REITs. Comparable to PM2 in operating a digital marketplace connecting investors to real estate opportunities with managed deal flow.
• Brickstarter: Mexico-based real estate crowdfunding platform offering fractional ownership of rental properties. Comparable to PM2 as a Mexican marketplace connecting retail investors with income-generating real estate assets.
• Groundfloor: US real estate debt crowdfunding platform offering short-term, property-backed loans to developers. Closely comparable to PM2 in debt-based real estate crowdfunding, fixed-income structure, and retail-investor onboarding.
• Yave: Mexican fintech focused on home financing and digital mortgages. Comparable to PM2 as another CNBV-regulated Mexican fintech bringing real estate-related financial products to retail and SME customers via digital channels.
• 100 Ladrillos: Mexican real estate crowdfunding platform allowing individuals to co-invest in property developments. Directly comparable to PM2 in business model, target customer (retail Mexican investors), and product (fractionalized real estate exposure).

Emerging players

• Homa Capital: Mexican fintech offering financial solutions for the housing ecosystem. Comparable to PM2 in addressing housing-related financing needs in Mexico via digital channels, though operating in an adjacent niche rather than direct debt crowdfunding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/PM2PlataformaM2

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PM2