Pontte

What Pontte does

Pontte is a Brazilian fintech founded in 2018, headquartered at Avenida Rebouças, 3507, Pinheiros in São Paulo, that originates home equity credit (Crédito com Garantia de Imóvel) for individuals (Pessoas Físicas) and legal entities (Pessoas Jurídicas). The company operates as a banking correspondent of BMP Money Plus Sociedade de Crédito Direto S.A. under Banco Central do Brasil Resolution No. 3,954/2011, and is LGPD-compliant. Pontte claims to be the first Brazilian financial institution to issue a digital CCI (Cédula de Crédito Imobiliário), enabling a 100% online end-to-end origination flow, from intake through contract signing, using its own funding rather than third-party balance sheet. The product accepts residential, commercial, and land collateral in Brazilian cities with populations above 50,000 inhabitants, with credit amounts from R$100,000 to R$3 million, interest rates starting at 1.19% per month plus IPCA, terms of 60–240 months, up to 50% LTV, a 2-month grace period, and client-elected SAC or Price amortization.

Revenue is generated primarily through interest income on originated home equity loans, complemented by origination economics flowing through the correspondent bank. Go-to-market is partner-led: from 2021 onward, Pontte formalized the Central do Parceiro B2B platform, through which financial advisors, assessment firms, and brokerages refer clients and earn commissions. In 2023, over 90% of operations were sourced from these partners. The company supplements partner distribution with direct online application (website and WhatsApp) and earned media coverage (Forbes, Estadão, Exame, Valor Econômico). In 2024, Pontte migrated into the Galapagos Capital Investimento e Participações Ltda ecosystem, expanding its product surface beyond home equity to other financial solutions while maintaining the Pontte brand and correspondent-bank operational structure.

The company employs 101–250 staff and reports cumulative credit originations exceeding R$100M, with credit requests of R$1.7B received in its first operational year (2019). It has taken one disclosed funding round of R$160 million from an unnamed global investor in August 2020. Following the 2024 ecosystem migration, Galapagos Capital became the parent holding company; BMP Money Plus continues as the licensed financial-institution partner that appears on contracts and performs the financial transactions.

Name

Pontte

Legal name

Pontte Soluções Financeiras LTDA

Website

https://pontte.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Pontte is a Brazilian fintech founded in 2018 that originates home equity credit (Crédito com Garantia de Imóvel) for individuals and legal entities, operating 100% online via its Central do Parceiro B2B partner platform and BMP Money Plus correspondent bank relationship under Galapagos Capital ownership.

Ownership category

akta.pro rank

Product category

Home Equity Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Home Equity Valuation & Collateral Management (AVM/Appraisal/BPO) (FSALAGAJ)

Keywords

• Home equity lending
• Property-backed loans
• Real estate credit
• Mortgage refinancing
• Credit fintech

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Home Equity Loan Interest: Pontte earns revenue through interest income on home equity loans (Crédito com Garantia de Imóvel). Interest rates start at 1.19% per month + IPCA. The company has its own funding and all capital involved in operations comes from Pontte. Partners earn competitive commissions for referrals.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Pontte is a Brazilian fintech that originates and distributes home equity loans (Crédito com Garantia de Imóvel), enabling individuals and legal entities to use residential, commercial properties, or land as collateral for credit of R$100,000 to R$3 million at rates starting at 1.19% per month + IPCA with terms of 60 to 240 months. The entire process, from simulation to contract signing, is conducted 100% online through Pontte's proprietary digital platform. Pontte was the first financial institution in Brazil to issue a digital CCI (Cédula de Crédito Imobiliário), enabling fully online processing of property-backed credit.

Product overview

Pontte is a fintech platform offering home equity credit (Crédito com Garantia de Imóvel) as its core product, where customers pledge residential, commercial properties, or land as collateral for loans of R$100,000 to R$3 million with rates starting at 1.19%/month + IPCA and terms up to 240 months. The platform operates entirely online with flexible amortization options (SAC and Price tables). It complements the core product with Partner Central, an exclusive B2B platform for partners to manage referrals and track operations in real time, and a Customer Portal for account management. Pontte serves both individuals (Pessoa Física) and legal entities (Pessoa Jurídica), functioning as a correspondent bank of BMP Money Plus under Banco Central regulation.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Equity (Crédito com Garantia de Imóvel) Property-backed credit product allowing customers to use residential, commercial properties, or land as collateral for loans of R$100,000 to R$3 million, with interest rates starting at 1.19% per month + IPCA, repayment terms of 60-240 months, and LTV up to 50%. Available for both individuals (Pessoa Física) and legal entities (Pessoa Jurídica) with 100% online application and digital processing, including a 2-month grace period and choice of SAC or Price amortization tables.
• Partner Central (Central do Parceiro) Official B2B partner platform for financial advisors, assessment firms, and brokerages to indicate leads, manage simulations, and monitor operation status in real time. Partners access tools, support materials, training, and earn competitive commissions for successful home equity loan referrals.

Quantifiable outcome

• Interest rates starting at 1.19% per month + IPCA - significantly lower than traditional credit
• +4 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Bari: Brazilian fintech focused on home equity loans with digital origination. Competes head-to-head with Pontte in the same online home equity segment serving individuals and businesses in Brazil.
• Creditas: Brazil's largest home equity and asset-backed lending fintech. Directly comparable to Pontte as both originate online property-secured loans to Brazilian consumers via digital platforms and partner networks.

Broad incumbents

• Banco Pan: Brazilian consumer and SME lender with significant secured lending products including property-backed credit. Comparable as an incumbent offering home equity and asset-backed consumer loans in Brazil.
• QuintoAndar: Largest Brazilian real estate fintech platform. While primarily a rental marketplace, QuintoAndar's scale and real estate ecosystem overlap make it a relevant comparable for Brazilian property-finance digital players.
• C6 Bank: Brazilian digital bank offering consumer loans and credit products. Comparable as a digital-first incumbent expanding into secured lending products that overlap with Pontte's home equity category.
• Loft: Brazilian proptech operating a real estate transaction and financing platform. Comparable as a digital Brazilian property-finance company even though its core transaction differs from Pontte's lending focus.
• Banco Inter: Brazilian digital bank offering consumer credit, mortgages and home equity products. Represents incumbent competition in the same digital lending category Pontte operates in.
• Nubank: Latin America's largest digital bank. While not focused on home equity, Nubank's scale, digital distribution and Brazilian consumer base make it a relevant incumbent benchmark for any Brazilian fintech.
• Agibank: Brazilian digital bank with a strong secured lending franchise including payroll-deductible and property-backed loans. Comparable as an established digital lender operating across Brazilian consumer credit.

Emerging players

• Méliuz: Brazilian fintech expanding from cashback into consumer credit and financial products. Comparable as a Brazilian fintech using digital channels to distribute credit products, with adjacent rather than directly overlapping offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ponttebr
• Instagraminstagram.com/ponttebr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pontte