Pontte

About Pontte

Pontte is a Brazilian fintech that operates as a digital platform specializing in secured credit, primarily offering home equity loans and real estate financing. The company was founded in 2018 by Marcelo Lubliner and Ysrael Mcquarrie with the goal of transforming the traditionally bureaucratic and lengthy process of obtaining secured loans in Brazil into a more agile, transparent, and digital experience. The business model is focused on leveraging technology to reduce costs and complexity, thereby offering more competitive interest rates compared to traditional financial institutions.

The company's core product is the home equity loan, also known as "crédito com garantia de imóvel" in Brazil. This financial product allows property owners to use their real estate as collateral to secure loans with lower interest rates and longer repayment terms, which can be used for various purposes such as consolidating debt, investing in a business, or funding personal projects. Pontte manages the entire loan lifecycle digitally, from application and credit analysis to property valuation and formalization of the contract. In 2019, Pontte expanded its portfolio to include real estate financing for property acquisitions.

Pontte has attracted significant investor interest, securing a funding round of R$27 million in 2019 led by the venture capital fund e.Bricks Ventures. This investment was aimed at enhancing its technology and expanding its credit operations. The firm serves individuals who own property and are seeking more affordable credit solutions than those typically available in the unsecured loan market.