About US
DECADES OF EXPERIENCE ACROSS MULTIPLE DISCIPLINES
We are a team of seasoned property and finance professionals with experience in developing, managing and lending across a range of real estate assets
Our Story
Pivot was founded by an award-winning residential developer in 2012
Development is in our DNA
Since inception, we have originated over £200 million across more than 200 diverse transactions, delivering hundreds of units across England & Wales.
We have evolved from being a HNW-backed lender to managing institutional capital, which we have undertaken for the past five years. We now have multiple committed wholesale funding lines and our majority owner, Quilam Capital, is an investment manager supporting companies operating in the Specialist and Alternative Finance market.
We are not constrained by location and have provided debt facilities across England and Wales.
Our History
2012
•Company founded by Fruition Properties Senior Management Team
•HNW fund established
•First short-term loan funded as a platform funder
2014
•Forward-flow partnership agreed with an offshore bank
2015
•Business rebranded to Pivot
•Business moves away from being a platform lender to being a principal lender
•Completions to date of ~ £50m
2018
•Partnership established with Shawbrook Bank and Insight Investments
•First ground-up development facility completed
•Redemptions to date of ~ £95m
2019
•Bond platform launched to HNW investor pool
•Completions to date of ~ £135m
•Redemptions to date of ~ £100m
2021
•Bond platform closed down
•Quilam takes minority stake and provides junior capital across loan book
2023
•Quilam takes majority stake in business
•Foresight replaces Shawbrook as senior funder across the book
2024
•Record month for completions at ~ £14m
•Foresight funding commitment enhanced to ~ £50m
•Completions to date of ~ £245m
OUR Team
Our roots lie in property development and our multi-disciplinary team have skills across: finance, business design, asset management, planning and development. This means we can assess a wide-range of transactions and work with our clients to collaborate for success.
Our team ethos is to build long-lasting relationships and as a result, we repeatedly work with the same clients and introducers.
How We Operate
Credibly, Collaboratively and with Certainty
We utilise information from a select panel of specialist third parties to appraise and monitor each transaction. We also leverage third-party software and data analytics tools to enhance our offering
Our decision-making is transparent and enables trust and the building of long-term relationships with our many clients.
Our capital structure means that we can provide certainty of funding, from inception and throughout development.
Our Process
1. New Enquiry
Indicative Offer( 1-2 Days )
Upon receiving the transaction details, one of Pivot’s Relationship Managers will respond with an Indicative Offer, typically within 1-2 days. Expected minimum information requirements can be found on Pivot’s website. The RM will usually call to discuss and gather any additional necessary information.
2. Application Received
Credit Submission( 1-2 Days )
If the Indicative Offer is agreeable, an application form and a £499 admin fee will be required to proceed. The Relationship Manager will use the application information to create a credit submission. The fee, covering initial searches and due diligence, can be paid via a link in the Indicative Offer, with the application form also accessible through the same link.
3. Credit Committee Submission
Heads Of Terms Sent( 1-3 Days )
Subject to approval, you will receive Heads of Terms, a formal offer, via email, outlining the terms and any specific conditions attached to the loan facility. To proceed, the Commitment Fee must be paid, allowing Pivot to allocate resources and engage third parties for assessment.
4. Fee paid
Case Handed Over To Credit Manager( Within 1 Day )
A dedicated Credit Manager will be assigned as your main point of contact through to loan completion and future drawdowns. They will gather all necessary information for internal and external due diligence, including valuation, feasibility, and legal assessments. Third-party fees, payable directly to the service providers, will be quoted at this stage.
5. Due Diligence
Loan Completion
Your Credit Manager will instruct external parties to compile reports into a final Credit Paper before loan drawdown, typically taking 2-4 weeks, depending on your legal representative's response time. Pivot needs 48 hours after receiving the final Report on Title to release the funds.
