Pluto Finance
London development lender backed by institutional capital, covering residential schemes from mid-market through to large prime developments. Underwriting depth and track record are genuine; this is institutional real estate finance, not SME bridging. Direct relationship with the borrower required.
Quick routing verdict
- Product: Development finance and residential lending.
- Ticket band: £2m to £100m.
- Decision time: 4 to 8 weeks.
- Pricing: Bespoke.
At a glance
- Legal entity
- Pluto Finance (UK) LLP
- Companies House
- OC364139
- Founded
- 2011
- Product
- Development finance and residential lending
- Ticket range
- £2m to £100m
- Decision time
- 4 to 8 weeks
- Ltd-only
- Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
- Last reviewed
- 2026-05-08
Why we route here
- Institutional capital base, large-ticket capacity.
- Strong record on London and South East prime residential.
- Stretched senior and mezzanine structures handled in-house.
- Established 2011 track record.
When we route elsewhere
- Minimum ticket effectively rules out smaller developers.
- Diligence runs to weeks; not a speed product.
- Pricing bespoke, not published.
Best fit applicants
- £5m+ residential schemes
- London and South East prime
- Institutional sponsors
Where Pluto Finance is the wrong fit
- Sub-£2m tickets
- Speed-prioritised cases
- Pure bridging
If declined by Pluto Finance
If your application to Pluto Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Pluto Finance decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Pluto Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Pluto Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.