Initial deal review
Tell us about your deal
Tell us about the property and the funding you need. It takes around 60 seconds. No documents are required at this stage.
1THE DEAL
2THE TRANSACTION
3CONTACT
The deal
First charge available?
Loan to value · calculated automatically
Within our 75% maximum
66.7%
Ponte lends against a first legal charge only — second charges are not considered.
The transaction
Where should we send the initial review?
I am
Enquiry received
Thank you. Your deal is with us.
REFERENCE PF-XXXX
We will carry out an initial deal review and confirm funding appetite, then email you at your email with the outcome.
The Ponte promise
We promise what we control. And we make everything else visible.
Bridging rarely fails on rate. It fails on silence. These are the commitments we will be measured on.
Same working day
Initial answer on every enquiry: yes, no, or exactly what is missingEvery message answered, every document read and checked the day it arrivesLia, our AI assistant, reads and checks; the Ponte team decides
One team
A named Ponte contact with a direct lineFrom enquiry to completionThe team you speak to decides
Live status
You never ask "where's my deal"Every stage change emailedFull timeline in your secure area
No surprises
Terms issued are the terms at completion, unless the facts changeEvery fee stated before you pay it
What we don't promise
A completion date we don't control.
Completion depends on the valuation, the legal work and on you. What we do promise is that nothing will ever be waiting on Ponte — and when the valuer, the solicitor or your exit lender is holding it, we tell you who, we chase daily, and we log it on your status.
Lending criteria
Straightforward criteria, assessed deal by deal.
Business-purpose lending only. Not available for consumer or owner-occupied residential purposes.
£250k to £2m
Loan size · from £230k outside LondonFirst-charge property financeBusiness purpose only
Up to 75% LTV
Assessed against the security propertyHigher LTV reviewed case by case
First legal charge
Secured over the property financedSecond charges not considered
Individual terms
Rate, term and structureSet on the deal, the exit and the transaction
How it works
From enquiry to full application.
One short enquiry. A human review. A clear answer on whether we can proceed.
01
Tell us about the deal
Loan, property value, postcode and the shape of the transaction. Around 60 seconds. No documents required.
02
Initial deal review
The Ponte team reviews the deal and confirms funding appetite the same working day. Yes, no, or what we need — then, if we proceed, an invitation to the full application.
03
Full application
Create your secure login, review the information already carried across, upload documents and complete identity and compliance checks.
For brokers
Send us the deal that's stuck.
A first-charge business-purpose bridge that another lender has gone quiet on, changed terms on, or simply not answered. You get an answer from the Ponte team the same working day, a named contact throughout, and the same live status your client sees.
Proc fee agreed up front and paid on completionWe never approach your client directlyOne enquiry form — around 60 seconds, no documents at this stageYou are copied on every status change
Questions
Before you enquire.
Short answers to what borrowers and their advisers usually ask first.
Do I need any documents to enquire?
No. The enquiry is an initial deal review only — around 60 seconds, no documents, no KYC and no full application. If we proceed, the documents you send are read and checked the same working day we receive them.
How quickly will I hear back?
The same working day you get an answer from the Ponte team: yes, no, or exactly what we need to decide. From then on, every message is answered the same working day and every stage change is emailed to you.
What happens after I submit?
We review the deal and confirm funding appetite. If we can proceed, we email you an invitation to the full application. If we cannot, we tell you.
What does the full application involve?
A non-refundable Application Fee is payable to begin. You then create a secure login, review the information already carried across, upload documents and complete identity and compliance checks.
Is this a regulated loan?
Ponte lends for business purposes only and is not authorised or regulated by the Financial Conduct Authority. We do not lend to consumers or against a property that you or a family member occupy as a home.
What if my LTV is above 75% or the loan is outside your range?
You can still enquire. We lend from £250,000 in London (£230,000 elsewhere) up to £2,000,000, and our standard maximum is 75% LTV. Deals outside that are reviewed case by case, and we tell you clearly whether we can proceed.