Frequently Asked Questions

A short‑term, property‑backed facility designed to provide liquidity — for example, enabling a property purchase before long‑term finance or a sale completes.

Ponte Finance PLC is committed to speed and efficiency. Through significant investment in technology, streamlined underwriting processes, and advanced data-driven analysis, decisions are delivered quickly and transparently. Our focus on innovation and automation ensures that clients and investors benefit from a faster experience without compromising on compliance or risk management.

Ponte Finance PLC accepts commercial and semi-commercial properties across the UK as collateral. Loans are structured according to market valuation and, where applicable, gross development value (GDV), providing flexibility to support acquisitions, refurbishments and development projects.

Typical loan terms are up to 18 months. Rates generally start from 1% per month. Standard fees include 2% arrangement and 2% exit. However, all fees and terms may vary depending on the borrower profile, the property and the overall structure of the deal. Each case is assessed individually to ensure a fair and tailored solution.

All loans are 100% secured against UK property assets, significantly reducing investor risk. However, in line with UK law and best practice, no investment is entirely risk‑free. Capital remains at risk.

Investors who pass onboarding and KYC/AML checks (via iDenfy). Minimum £1,000 (≈ 500 shares).

Via Yapily Open Banking, PIX for instant transfers, and full encryption with compliance monitoring.

Ponte Finance PLC operates as a private lender in areas of property finance that do not require FCA regulation. While our activities are outside the scope of FCA authorisation, we uphold the highest standards of governance, with rigorous compliance, KYC and AML procedures to protect our investors and borrowers.

In the event of default, Ponte Finance PLC follows a clear and structured recovery process. Loans are secured against property assets, allowing us to enforce the security to recover outstanding capital, accrued interest and fees. Recovery actions are managed in line with legal procedures, ensuring that investor capital is protected and given priority in accordance with the security structure. Our approach balances efficiency in recovery with strict compliance to protect all parties involved.

Click “I’m Ready – I Want to Invest Now” or use the Contact form to begin onboarding and receive an indicative decision.

Disclaimer: This FAQ is for information only and does not constitute financial advice or an offer to invest. Capital is at risk. Terms may change at any time.