Development & Bridging Lender
Pluto Finance
Pluto Finance is a specialist real estate lender providing development and bridging finance to housebuilders, developers and investors across the UK and Europe.
Backed by institutional capital, including pension fund investment, Pluto combines scale with a relationship-led approach, offering certainty of funding, speed of execution and direct access to decision makers across transactions ranging from £1m to £150m.
Pluto provides flexible capital across the development lifecycle, combining development and bridging finance to support acquisition, delivery and stabilisation of residential and mixed-use assets.
· Development Finance Lenders
· Senior development finance
· Stretched senior
· Residential and mixed-use schemes
· Up to £150m
Pluto delivers institutional-grade development finance across large-scale residential and mixed-use projects, supporting borrowers from pre-construction through to delivery.
· Bridging Lenders
· Land acquisition
· Pre-development funding
· Short-term finance
· Refinance
Bridging finance designed for speed and flexibility, enabling site acquisition, early-stage funding and refinancing across time-sensitive transactions.
Hive, Kelham Island, Sheffield
Sheffield, South Yorkshire
Development finance
A £15m loan supporting a 100-unit co-living development designed around community and sustainability, targeting net zero carbon and delivering high-quality rental accommodation for young professionals on a prominent brownfield site.
White Church Lane, Aldgate, London
Aldgate, London · Development finance
A £20m loan supporting the delivery of a landmark 20-storey residential tower comprising 48 units including affordable homes, one of the few tall buildings currently being delivered in London.
The Paddocks, Trispen, Cornwall
Trispen, Cornwall
Development finance
A £20m gross development facility funding 80 new family homes including 27 affordable units, structured alongside a Lloyds-backed Housing Growth Partnership equity investment.
What we do
Capital Focus
- Development Finance Lenders
- Bridging Lenders
Project type
- Residential
- Mixed-use
- Logistics
Geographic Focus
- UK
- Ireland
- Germany
- Netherlands
- Iberia
Stage of involvement
- Acquisition
- Pre-construction
- Construction
- Refinance
Typical loan size
- £1m–£150m
Open to connecting with
- Housebuilders
- Developers
- Investors
- Land promoters
What we deliver
Flexible development and bridging finance from £1m to £150m, combining institutional capital with a relationship-driven approach to deliver certainty, speed and tailored funding solutions across complex real estate transactions.
How we like to work
Pluto operates as a principal lender, providing direct access to decision makers and a responsive, relationship-led approach. The team works closely with borrowers to structure funding solutions that optimise leverage, pricing and delivery, with a strong focus on repeat partnerships.
KEY CONTACTS
Shane Ryan
Lending Director, UK and Ireland
Leads Pluto's origination across the UK and Ireland with extensive experience in real estate transaction origination, underwriting and asset management, previously at Puma Property Finance and Investec Real Estate.
Evan Griffin
Lending Director, North
Covers Pluto's Northern England origination with over 20 years banking experience across investment and development lending, driving Pluto's presence in the region since 2022.
Jonathan Scott
Lending Director, South West
Based in Exeter supporting housebuilders throughout the South West, with 15 years specialist property development finance experience previously at Hampshire Trust Bank.
Connect with Pluto Finance
Our Partners
