Frequently Asked Questions
Investor Info Explore common questions about shares, our investment platform, eligibility, payments, sustainability standards, and key risks.
What is Ponte Finance PLC?
Ponte Finance is a Public Limited Company (PLC) registered in the United Kingdom (CRN: 15859004), specializing in property credit solutions and alternative investments.
Where is Ponte registered?
225 Clapham Road, London, SW9 9BE.
Is Ponte regulated by the FCA?
No. Ponte is registered as a PLC and follows the Companies Act 2006 and other UK legislation. Ponte is not authorised or regulated by the FCA. Investments offered are not covered by the FSCS or the Financial Ombudsman Service.
What is Ponte’s Investment Platform?
A digital environment where you can invest in short-term credit operations, all secured by UK real estate.
What returns can I expect?
Suggested annual returns range between 8% and 11%. These returns are not guaranteed.
How are interest payments made?
Interest is paid monthly, subject to the borrower’s ability to pay.
Can I exit before maturity?
No. Investments have fixed terms (normally 6–18 months). Capital is repaid at maturity or in case of early liquidation. Ponte does not guarantee early exit or liquidity.
Are investments secured?
Yes, all are secured by UK property. Security mitigates risk but does not guarantee full repayment.
What is the minimum investment per deal?
Minimums vary, but usually start at £1,000.
Do I need identity verification?
Yes. All investors must complete KYC/AML via iDenfy, providing ID, live selfie, and proof of address.
Can I invest through a company or trust?
Yes, provided corporate documents are submitted and KYB (Know Your Business) checks are completed.
Can I open a joint account?
Yes, but each account holder must pass KYC.
Do you accept international investors?
Yes, provided legal and AML requirements are met. Some countries may have additional restrictions.
What are Ponte’s Sustainability Standards for the 100% Loan product?
Beyond legal and safety requirements, Ponte applies additional sustainability criteria to eligible projects in the 100% Loan product:
• Minimum EPC rating: C
• Use of clean/renewable energy (e.g., solar panels)
• Rainwater harvesting
• Proper waste management
• Use of certified sustainable materials
Ponte ensures that financed projects meet these criteria, showing our commitment to environmental responsibility and alignment with the UN Sustainable Development Goals.
Learn more: Investing Responsibly with 100% Loan
What payment methods are accepted?
UK bank transfer (Open Banking), PayPal, and PIX (auto-converted to GBP).
Can I invest in currencies other than GBP?
Yes. We accept BRL and EUR, which are auto-converted into GBP.
Will I receive reports on my investments?
Yes, you will have access to digital statements, certificates, and performance reports through the app.
What are the main risks?
Shares: risk of total loss, limited liquidity, no guaranteed dividends, no guaranteed buy-back.
Investment Platform: borrower default, delays in interest payments, risks in enforcement of security, no guarantee of full repayment.
Is there FSCS or Ombudsman protection?
No. None of Ponte’s investments are covered by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS).
