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§ Private Profile · C/O Kroll Advisory Ltd The Shard 32, London Bridge Street, London, SE1 9SG
Proportunity is a technology company.
Proportunity offers an equity loan to significantly increase home-buying budgets, making property ownership more attainable. Leveraging a technology-driven approach, the company uses data and predictive analytics to identify properties with strong appreciation potential, enabling homebuyers to bridge financial gaps. This technical integration helps optimize investment potential and facilitates access to a broader market for aspiring homeowners.
Vadim Toader and Stefan Boronea founded Proportunity. Toader, experiencing personal housing affordability issues, identified weaknesses in traditional lending and unrecognized property value growth. This insight motivated him to combine finance and technology, co-founding the company with Boronea, to develop a smarter, accessible home-buying model. Their collaboration aims to address the systemic challenges preventing many from achieving homeownership.
Proportunity serves aspiring homeowners facing affordability challenges, providing a strategic route to property acquisition. Its vision is to make homeownership universally accessible, aiming to empower one million homeowners by 2030. The company innovates financing solutions to enhance its customers’ financial well-being, fostering a future where property ownership is a viable choice for a wider demographic.
Proportunity has raised $180.7M across 7 funding rounds.
Proportunity has raised $180.7M in total across 7 funding rounds.
Proportunity has raised $180.7M across 7 funding rounds. Most recently, it raised $2.5M Series A in July 2022.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Jul 25, 2022 | $2.5M Series A | Kibo Ventures, Alistair Owen | — | Announced |
| Oct 20, 2021 | $150M Debt Financing | Amro Partners, Ruth Foxe Blader, Entrepreneur First, Javier Torremocha, George Dimopoulos | — | Announced |
| Sep 1, 2021 | $7M Series A | — | — | Announced |
| Dec 10, 2020 | $10M Debt Financing | Douglas Grant | — | Announced |
| Oct 17, 2019 | $2.6M Seed | Anthemis, JAN Graefe | — | Announced |
| Jul 16, 2018 | $6.6M Debt Financing | — | Charlie Songhurst, Chris Mairs, Julian Critchlow, Matt Robinson, Nicolas Berggruen, Concrete VC, Entrepreneurs First, Global Founders Capital, Lestudio VC, Savills, Trusted Insight | Announced |
| Jul 1, 2017 | $2M Seed | — | 8 BIT Capital, Broadway Angels, Fortress Investment Group, Founders Fund, IDG Ventures, Recursive Ventures, Alexander Rosen, Sapphire Ventures, Super{set}, The HIT Forge, Adam D'angelo, Eric Chernoff, Jonathan Swanson, KIM Perell | Announced |
Proportunity is a London-based fintech company founded in 2016 that builds a homeownership platform for first-time buyers, particularly renters struggling to save for deposits.[1][2][3][6] It offers equity loans up to £150k, enabling purchases with just a 5% deposit, alongside AI-driven tools for property valuation, price forecasting, and affordability assessments.[3][4][5][6] Serving UK millennials and aspiring homeowners, Proportunity solves the deposit barrier in a high-price market by acting as an FCA-authorized mortgage lender with machine learning to boost budgets and reduce compromise.[1][2][4][6] The company has shown strong growth, reaching over £1.5M in annual recurring revenue, +200% year-on-year customer growth, €130M in debt financing by late 2021, and $12.1M in total equity funding across three rounds, with 60+ employees.[1][2][3][4]
Proportunity was launched in 2016 by Romanian founders Vadim Toader, an Oxford graduate and former consultant, and Stefan Boronea, with prior experience at IBM and Booking.com.[2] The idea emerged to tackle millennials' homeownership crisis in the UK, where traditional banks lagged and government schemes like Help to Buy faced phase-outs.[2] Early traction built on this timing, evolving from a proptech platform into a full fintech lender using AI for house price predictions.[2][4][5] Pivotal moments include securing €130M debt financing in Q4 2021 to fuel expansion and opening a Series A+ round on SeedBlink amid rapid revenue growth.[2]
Proportunity rides the fintech-proptech convergence trend, leveraging AI to disrupt stagnant UK housing finance amid rising prices and deposit hurdles.[2][4][5] Timing aligns with Help to Buy's 2023 end, creating a vacuum for alternatives as traditional lenders fail renters.[2] Favorable market forces include millennial demand, remote work shifting preferences for gardens/extra bedrooms, and regulatory nods like FCA status.[1][2][6] It influences the ecosystem by enabling faster homeownership, potentially expanding to Southeast Europe via remote tech hires and localized products by late 2023, while innovating via OKR-driven teams.[2]
Proportunity is poised to evolve into a "bank for aspiring homeowners" with rent-to-buy launches and European pilots, capitalizing on AI for personalized lending.[2][6] Trends like AI democratization in finance and housing shortages will accelerate growth, especially if UK policies tighten affordability gaps. Its influence may grow through scaled debt/equity raises, team restructuring for innovation, and broader access, ultimately redefining renter-to-owner paths in a deposit-starved market—echoing its core mission since 2016.[2]
Proportunity has raised $180.7M in total across 7 funding rounds.
Proportunity's investors include Kibo Ventures, Alistair Owen, Amro Partners, Ruth Foxe Blader, Entrepreneur First, Javier Torremocha, George Dimopoulos, Douglas Grant, Anthemis, Jan Graefe, Charlie Songhurst, Chris Mairs.