About Us

Pluto Finance is a specialist real estate credit manager focused on mid-market senior lending across the UK and Europe.

We provide debt finance to residential and commercial property developers and real estate investors.

As relationship driven lenders, we fully understand our clients’ requirements and will provide a bespoke solution to best suit their needs.

Since inception in 2011 we have lent over £4bn across bridging, development and investment finance. Our stable 15-year track record is defined by disciplined risk management and a proprietary, relationship-driven origination model. This approach has resulted in near-zero impairments since inception and strong credit performance.

We are proud to have enabled the delivery of over 15,000 new homes to date.

 

Our solutions

Market leading expertise

As experienced property finance experts, we work with you to provide an innovative, straight-forward loan offering, optimising on leverage and price – with a speed of action that sets us apart.

We are a principal lender, not an intermediary, and we are backed by a strong suite of institutional investors including pension funds, insurers and large global financial institutions. Pluto Finance is part-owned by the Universities Superannuation Scheme, the UK’s largest private sector pension scheme.

Working with patient, long-term capital allows us to put borrower relationships at the heart of our business and has enabled us to build an impressive network of repeat borrowers.

Meet the team

Strategic partnerships

USS

Universities Superannuation Fund (USS), UK’s largest non-state pension scheme, acquired a substantial minority stake in the Pluto platform in July 2021. Pluto has a strategic relationship with USS to develop and grow the platform.

Blackstone

Blackstone established a strategic partnership with Pluto in September 2025 to originate, underwrite and execute large mid-market real estate loans on a pan-European basis.

Ready to Move Forward on Your Next Project?

Whether you're planning a new development or need bridging finance to secure a site, our team is ready to structure a solution around you.

Where to find us

London

15-16 Buckingham Street, London, WC2N 6DU

Edinburgh

26 Alva Street, Edinburgh, EH2 4PY