# Pluto Finance

Pluto Finance is an Asset Manager based in London, United Kingdom.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** London, United Kingdom
- **Region:** North America
- **Address:** 15–16 Buckingham Street, London WC2N 6DU, United Kingdom
- **Founded:** 2011
- **Assets under management:** Undisclosed
- **Website:** pluto-finance.com
- **LinkedIn:** https://www.linkedin.com/company/pluto-finance

## Regulatory record

- **Reports private funds:** No

## About

Our 30-strong team originates, underwrites, and asset-manages loans directly, with Lending Directors based in every region where we operate. Our

## Sectors

- Real Estate
- Private Credit

## Offices

- 26 Alva Street, Edinburgh, EH2 4PY, United Kingdom

## People

- Mario Ioannides — Partner
- Matt Tucker — Director, ESG and Construction
- Simon Chapman — Lending Director
- Evan Griffin — Lending Director for the North

## Questions

### Who runs investment decisions at Pluto Finance?

Partner Mario Ioannides leads credit decisions, supported by a regional team of Lending Directors such as Simon Chapman and Evan Griffin. The firm operates a flat structure where term sheets are approved internally without a bank intermediary, so Ioannides and the other partners form the credit committee.

### How does Pluto Finance source proprietary deal flow?

Pluto builds repeat-borrower relationships rather than competing at auction. It funded Signia Living’s first £8 million bridge loan and later scaled to a £60 million development facility; the Redwing Properties church conversion in Leeds is a second-phase financing. Lending Directors stationed across UK regions originate on-the-ground.

### Does Pluto Finance participate in fund commitments or only direct loans?

Pluto writes direct senior loans only — bridging, development, and investment finance. It does not invest in third-party real estate funds or equity positions; the capital deployed is entirely on its own balance sheet and priced directly to borrowers.

### What is Pluto Finance’s typical loan size and leverage?

Loan sizes range from £2.7 million to above £60 million. For stretched senior development finance Pluto offers up to 70% LTGDV, and for repeat sponsors with investment-grade net debt yield it can price from 3.15%. It also provides VAT loans alongside its senior facility when structuring acquisitions.

### How is Pluto Finance related to the Universities Superannuation Scheme?

USS is a part-owner and a core capital provider, according to the firm’s own website. That relationship supplies the patient, long-term funding that lets Pluto underwrite through cycles without external fund-raising pressure, but USS does not manage the loan book.

### What is Pluto Finance’s posture on ESG and sustainable lending?

Pluto runs a dedicated low-carbon lending product that reduces financing costs for developers who implement whole-life carbon reduction strategies, overseen by Director of ESG Matt Tucker. The firm also manages compliance with Biodiversity Net Gain legislation, advising borrowers on integrating habitat improvements into project plans.

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Last updated: 2026-06-03T20:00:00.000Z

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