A transparent pathway from investor review to project lending.
The legal rights and obligations are defined by each offer document. This page explains the operating model at a high level.
Capital is raised, assessed and deployed under defined controls.
Wealthpool operates as a property development lender. Investor capital may be raised through redeemable preference shares and deployed across property development loans that meet the company’s lending mandate.
Four-step structure
- Eligible investor reviews the offer and subscribes.
- Capital is pooled within the issuing company.
- Loans are made to approved property development borrowers.
- Dividends and redemption are paid subject to portfolio performance and legal conditions.
What is considered before a loan is approved?
Borrower and team
Background, track record, financial capacity, project team, contractor capability and key-person dependencies.
Project feasibility
Land, planning, proposed product, construction budget, contingencies, forecast value, sales or leasing assumptions and exit strategy.
Security and ranking
Valuation, senior debt, total leverage, security documentation, ranking and the practical recovery position if a default occurs.
Construction controls
Drawdown controls, progress monitoring, consultant input, material changes, cost-to-complete and completion risks.
Market and location
Local demand, comparable evidence, planning environment, market liquidity and sensitivity to changing conditions.
Related-party review
Any connected-party involvement should be identified and disclosed. Transactions are intended to be assessed on commercial terms.
Monitoring does not remove project risk.
Project monitoring may include progress reporting, development management oversight, cash-flow review, updated feasibility analysis and material-event reporting.
- Construction programmes can change.
- Cost increases can reduce borrower capacity.
- Sales, settlements and refinancing can be delayed.
- Security enforcement can be lengthy and recovery proceeds may be insufficient.
- A diversified portfolio can reduce concentration risk but cannot prevent loss.
Investments should be treated as illiquid.
Scheduled redemption
At the end of the relevant term, the company may redeem the shares and pay the applicable exit amount if it is able and legally permitted to do so.
Where underlying loans have not performed as expected, redemption or dividends may be delayed, reduced or not paid.
Early exit
There is no established public market. A private transfer may be possible only where an independent buyer is found and the Board approves the transfer.
Read the formal documents before relying on the structure.
The Information Memorandum, constitution, application form and any supporting documentation govern the investment—not the summaries on this site.