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wHO WE ARE
Pivot is a specialist real estate lender with a focus on development finance
Our capital helps our clients bring their projects to fruition
We are the go-to provider for real estate lending facilities across the development lifecycle. Applying intelligence and professionalism, we originate, underwrite, risk manage, and service loans of between £1m and £10m.
We are experienced property and finance professionals, and we work with our clients in a collaborative way to truly understand and support their requirements. The result is an unrivalled level of service built around the principles of sophisticated underwriting, speed of delivery and transparency.
“Having delivered our own residential schemes, we understand what our clients need and work with them collaboratively to offer funding solutions.”
WHAT WE OFFER
Pivot PROVIDES lending facilities secured against real estate ASSETS aCROSS England and Wales
We tailor our funding to meet our clients' specific needs
Although we have a defined set of specialisms, these are merely an indication of what we can offer and. We assess each case on the merits of the individual transaction. We have a willingness to transact.
Our facilities are grouped into two core strategies:
Loans secured against residential, commercial or semi-commercial property and land with planning consent
Loans to develop residential property (either ground-up or permitted development) and loans to develop land with planning permission
WHY pivot
WE HAVE DECADES OF EXPERIENCE IN DEVELOPMENT, NOT JUST LENDING BUT ALSO IN CONSTRUCTION
We are a credible lending partner
•We have highly experienced, multi-disciplinary team, which includes industry veterans who have witnessed first-hand previous property cycles and how to manage risk through them.
•Our founders have first-hand experience in developing their own projects, giving them a deep understanding of the challenges involved in delivering a successful scheme.
•Our team have lent across the capital stack, so know what is needed to make a deal fundable and are sympathetic to the various stakeholders involved in closing a transaction.
WE UNDERSTAND THAT RELIABLE FINANCING IS CRUCIAL TO THE SUCCESS OF ANY PROJECT
We can provide certainty of funding
•We are not reliant on one funding source and have committed facilities from disparate financial solutions each with billions under management.
•We are majority owned by Quilam Capital, who have Board and operational level involvement in the management of the business, so there is no double-underwriting of transactions.
•Our funding structure allows us to facilitate speedy development drawdowns, which allows our clients to focus on the delivery of their schemes.
WE BELIEVE WE ARE COLLECTIVELY RESPONSIBLE FOR THE PROGRESSION OF THE PROJECTS WE FUND
We are committed to collaboration
•We see ourselves as partners, not lenders, and this client-centric approach is at the heart of everything we do.
•We are straight talking, we say no when we need to and yes when we're confident we can deliver. Our no-nonsense approach ensures clarity at all times, the cornerstone of strong working relationships.
•We’re forensic with data, combining our deep experience and obsession with detail to identify risks and opportunities which we work through with our clients.
WE FUND ACROSS THE DEVELOPMENT LIFECYCLE
We are your long-term funding partner
•Every real estate opportunity is different. We are fast and flexible in our response, structuring transactions that meet the needs of entrepreneurs and developers.
•A combination of our diverse funding arrangements and expertise means we can lend across the development cycle.
•We can offer facilities secured against consented land to development exit short-term finance, and everything in between.
WE ARE A PURPOSE DRIVEN ORGANISATION
We always consider environmental, social, and governance related (ESG) impacts
•We understand that we are a part of the ecosystem that is helping to unlock the much needed housing shortage across the UK and have supported bring over 600 homes to market.
•We actively try to support schemes that specifically aim to better the local environment.
•We ensure that we treat borrowers fairly in transactions and that we engage in responsible lending by maintaining high credit underwriting standards.
