# Proportunity

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/proportunity

- Industry: Financial Services
- Headquarters: London, UK
- Website: www.proportunity.co
- Total disclosed funding: $4.3M
- Latest round: Series A (Sep 27, 2021)
- Investors on record: 8

## About

Proportunity Ltd is a UK-based financial services company that specializes in providing equity loans to facilitate home ownership, helping customers enhance their purchasing power in the competitive property market.Founded in 2016, Proportunity Ltd operates from London, UK, offering financial solutions aimed at first-time homebuyers. The company has successfully secured a total of GBP 2.000 mn through several funding rounds, with the most recent being a VENTURE DEBT round of GBP 7.500 mn led by Conister Bank on October 20, 2021. The co-founders, Stefan Boronea and Vadim Toader, have backgrounds in finance and entrepreneurship, contributing to the company's strategic objectives.Proportunity primarily offers equity loans designed to facilitate home ownership by providing customers with increased purchasing power. The core product allows buyers to secure a mortgage with as little as a 5% deposit, supplemented by an equity loan that can enhance their budget by up to GBP 150,000. This service addresses the challenge many potential homeowners face regarding high property prices and the difficulty of saving for substantial deposits. Proportunity utilizes proprietary technology to analyze property markets, guiding clients towards optimal purchasing decisions based on real-time data regarding property values and investment opportunities. The company primarily serves individuals and families looking to buy homes in the UK property market, including first-time buyers and those needing assistance in navigating the complexities of real estate transactions.Proportunity generates revenue through the provision of its equity loans, which are structured to allow clients to cover interest payments while repaying the shared equity loan upon reaching a certain financial milestone. The transaction model is primarily direct-to-consumer, focusing on individual homebuyers seeking financial solutions for property purchases. Clients engage with the company through an application process for the equity loan, after which they receive tailored advice on budget management and mortgage applications. This personalized service ensures that clients can effectively utilize the financial products offered by Proportunity, leading to a smooth transaction process as they move toward home ownership. In 2023, the company reported an EBITDA of 0.Proportunity plans to leverage the recent VENTURE DEBT funding to expand its team and increase its maximum loan size from GBP 90,000 to GBP 150,000 per home. This initiative is designed to enhance affordability for buyers, enabling them to secure homes that meet their needs. The company aims to further expand its offerings and may explore new geographic markets, focusing on regions within the UK where housing affordability is a significant challenge. These efforts align with Proportunity's vision of facilitating home ownership and improving access to housing for more individuals and families in the UK.

## Funding rounds

- Series A, Sep 27, 2021 — Amro Partners
- Seed, Oct 17, 2019, $2.6M — Anthemis, Axel Springer Digital Ventures
- Seed, Aug 1, 2019 — Anthemis
- Seed, Aug 1, 2017, $1.7M — Starwood Capital Group, Savills, Global Founders Capital, Le Studio VC, Concrete

## Investors

- Starwood Capital Group — Seed
- Savills — Seed
- Global Founders Capital (https://capitalatlas.ai/funds/global-founders-capital) — Seed
- Le Studio VC (https://capitalatlas.ai/funds/le-studio-vc) — Seed
- Concrete (https://capitalatlas.ai/funds/concrete) — Seed
- Anthemis (https://capitalatlas.ai/funds/anthemis) — Seed
- Axel Springer Digital Ventures (https://capitalatlas.ai/funds/axel-springer-digital-ventures) — Seed
- Amro Partners (https://capitalatlas.ai/funds/amro-partners) — Series A