wHO WE ARE
We offer short-term finance for a range of property purposes, supporting our clients' business objectives.
At Pivot, we are passionate about providing our clients with the financial independence they require to meet the business objectives they desire - 'Finance to enable progress'.
We are experienced property and finance professionals in our own right and work with our clients in a collaborative way to truly understand their business requirements. The result is an unrivalled level of service built around the principles of sophisticated underwriting, speed of delivery and transparency.
We tailor our service to meet our clients' specific needs. Our aim is to make the borrowing process as simple as possible.
Whilst we have a defined set of products, these merely help indicate what we can offer and in reality we assess each case on the merits of the individual transaction.
WHAT WE OFFER
Whilst we have a defined set of products, these merely help to indicate what we can offer and in reality we assess each case on the merits of the individual transaction. We tailor our service to meet our clients’ specific needs and aim to make the borrowing process as simple as possible.
Our short-term loan facilities can be grouped into three high level categories:
Residential and Refurbishment: Loans secured against residential property to refinance, purchase or to fund non-structural works to the property;
Commercial and Land: Loans secured against commercial or semi-commercial property and land with or without planning permission;
Renovation and Development: Loans to develop residential property (either ground up or permitted development) and loans to develop land with planning permission.
Our unique blend of capabilities enable us to provide a market leading offering.
We are not just a lender but part of a wider real estate group
Our group includes an award-winning developer, a digital property fund manager, a care home operator and a block management business. This means that we understand all aspects of the property lifecycle; we can truly relate to our borrowers’ needs and we provide support where needed. We are more than just a lender.
we leverage proprietary and third party technology
Technological solutions are used from enquiry to redemption. We integrate with third parties and generate documents from our end-to-end loan management system. Our claims of being able to offer speed are tangible and credit backed terms are typically issued within 24 hours.
We have diverse institutional and private funding arrangements
We are funded by a UK challenger bank, a US asset manager, and an offshore bank. We even issue our own retail bonds. This means that we are not hamstrung by one funder and have the ability to make our own underwriting decisions.
we competitively price every transaction
Our funding arrangements mean that we can offer flexible terms and typically we do not charge any exit fees. We also assess every transaction on its own merits and price risk accordingly.
We offer products that others in the market cannot
We leverage our property and planning expertise to offer unique products, such as lending against hope value. We are also happy to consider complex cases and uncommon assets.