Transaction brief
£3 million revolving credit facility for Ponte Finance
Structuring an initial £3 million wholesale credit line for a UK bridging lender, with a pathway to scale capacity to £25 million.
The mandate
Structure and secure a revolving wholesale credit facility for Ponte Finance, a UK provider of short-duration, first-charge bridging loans on residential and mixed-use properties.
Skills and deliverables: Bridging loans, wholesale credit facilities, structured finance, revolving credit lines, risk management, alternative funds, asset-backed loans, debt financing, loan origination, market diligence and cash-flow forecasting.
The challenge
Present Ponte's pipeline of more than £10 million, conservative risk profile and network of more than 5,000 real estate developers in a form that institutional lenders could assess. The objective was scalable funding capacity aligned with the underlying short-duration loan portfolio.
Our approach
- Credit proposal and positioningArticulated the lender's origination strategy, pipeline, collateral profile and risk-management practices.
- Lender identification and documentationIdentified potential institutional lenders and prepared the financing documentation and supporting proposal.
- Revolving facility structureDeveloped a wholesale funding solution suited to short-duration, first-charge residential and mixed-use loans.
- Financing discussionsSupported institutional lender engagement and the establishment of an initial credit line with a pathway to expand.
The outcome
- £3 million initial revolving credit line securedThe facility provided a starting base of wholesale funding for loan deployment.
- Pathway to £25 millionThe financing structure provided a route to increased capacity. This is a scaling pathway, not a claim that £25 million had already been secured.
- Support for portfolio growthThe facility positioned Ponte to deploy loans more rapidly and strengthen its competitive position.
