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Before proceeding please read the following information carefully as it contains important legal and regulatory conditions. Access to these materials is only granted to users on the basis of the following terms and conditions being understood and accepted by the user.

Pivot Lending Ltd, Pivot Finance LLP and the Pivot Group of companies (‘Pivot') is not authorised or regulated by the Financial Conduct Authority (‘FCA’) and does not offer protection via the Financial Services Compensation Scheme (‘FSCS’).  Certain countries and jurisdictions have restrictions imposed by law on the distribution of information relating to the sale of investments.  Accordingly, the information and opinions in this document are not directed at or intended to be acted upon by anyone in any jurisdiction where it would be unlawful to do so or in which Pivot would be required to be authorised.

No information or opinion given in this website constitutes a solicitation, offer or recommendation by anyone to invest or borrow or to engage in any other transaction or to furnish any investment advice or services. Potential investors and borrowers (and in particular, non-institutional investors) are advised to seek professional advice on the laws and regulations applicable to the subscription, purchase, holding or sale of loans or loan parts in their countries of citizenship, residence or domicile. Individual investors are accepted only if they meet strict criteria based either on their net worth or their knowledge of sophisticated financial products.

Any sums lent through Pivot are loans and not deposits. There is no guarantee that investors will be repaid the amount of their original loan or any interest on that loan. The past performance and the rates of default of loans made to borrowers should not be viewed as a guide to future performance. Lending to a single or a small number of borrowers may result in an undiversified portfolio and a concentration of risk. Rates of return are displayed gross of any taxes that the investor may be liable to pay by law.

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