Pivot Finance
A property lender backed by Foresight senior debt and majority-owned by Quilam Capital, writing £1m to £15m of bridging and development finance in England and Wales.
What they do
Pivot Finance lends against UK real estate with institutional senior funding managed by Foresight Group and junior capital and board involvement from its majority owner. Bridging is advertised from 0.50 per cent a month with a two per cent arrangement fee, with broker guides quoting entry nearer 0.79, and development priced case by case. Every transaction is assessed on its individual merits, with a head of credit appointed in 2025 and a management buyout in 2026 funding investment in technology and data.
Where they fit in a lower-mid-market raise
The ticket range was lifted to £15m after the 2026 buyout, which now covers a full £3–15m property requirement from a single lender where previously it did not. Institutional senior funding behind a small, case-by-case credit team is the combination that produces both capacity and flexibility.
Where they are not the fit
Lending is England and Wales on the firm's own published scope, unregulated only, and development requires planning consent in place. Everything is secured on property, so a corporate cashflow credit has no route. The larger ticket capacity is recent, so evidence at the top of the range is still thin.
Published terms
- Pricing
- Bridging rates advertised from 0.50% per month (circa 6% p.a. entry); broker guides cite bridging from circa 0.79% pm and a 2% arrangement fee; development priced case-by-case
- Speed to terms
- Not published
- Sponsored or sponsorless
- Lends to property developers and entrepreneurs (SME developers, ticket 1m-15m); corporate/developer borrowers rather than private-equity sponsor-backed platforms
- Where they lend
- England and Wales (own site); some broker profiles list Scotland too - treat E&W as primary published scope
- How they decide
- Case-by-case underwriting - assesses each transaction on its individual merits; MBO capital cited as funding technology and data analytics to expedite lending decisions
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Pivot Finance lends through 2 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Pivot Finance lends, but which of these would own it.
Bridging finance
- Facility
- £1m to £15m
- Security
- Secured on residential, commercial or semi-commercial property and consented land; up to 75% loan to value, terms up to 24 months, unregulated
- Funds
- Growth · Refinance
- Rules out
- Property security required; England and Wales only; Unregulated loans only
Development finance
- Facility
- £1m to £15m
- Security
- Secured on development sites; ground-up and permitted-development residential plus land with planning permission; development-exit bridges; broker guides cite circa 65% loan-to-GDV or 85% loan-to-cost
- Funds
- Growth · Refinance
- Rules out
- Property security with planning consent required; England and Wales only
Limits that apply across the firm
Stated limits, taken from Pivot Finance’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No appetite in non-property lending
How they sit against the category
- Its published ceiling is £15m; 42 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Pivot Finance write?
Published facilities run £1m to £15m. A band is what a lender states it will do, not what it will do on a given credit.
Where does Pivot Finance lend?
England and Wales (own site); some broker profiles list Scotland too - treat E&W as primary published scope.
What does Pivot Finance lend?
The published product set is bridging finance, development finance. Published sector focus is care, commercial, hospitality, pbsa, property.
On the record
February 2026: completed management buyout backed by 100m+ debt and equity from Foresight Group; max loan size raised from 10m to 15m; sectors expanded to residential, PRS, commercial, care, PBSA and hospitality (foresight.group, propertyweek.com.
February 2025: increased institutional lending capacity by 50%, Foresight (senior) alongside Quilam Capital (junior/equity) (mortgagesolutions.co.uk.
2025: nearly 250m in transactions completed across development and short-term finance; strong SME-developer pipeline of 1m-10m loans.
Sources: pivotfinance.co.uk · bridgingandcommercial.co.uk
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.