Pluto Financial Technologies, a FinTech company focused on unlocking liquidity in private markets, has launched a new AI-powered lending platform designed specifically for investors holding private market assets.
The launch comes as private markets continue to expand rapidly, with total assets under management expected to grow by 1.5x over the next five years, while liquidity options remain limited. Investors are often forced to contend with long lock-up periods, unpredictable capital calls and secondary market sales that frequently come at steep discounts. Borrowing against these assets has traditionally been slow, expensive and largely restricted to ultra-high-net-worth individuals.
Pluto aims to address these structural challenges by offering a modern alternative that transforms illiquid private market holdings into accessible financial flexibility. The company has raised $8.6m in equity and secured hundreds of millions in lending capacity, backed by investors including Motive Ventures, Portage, Apollo Global Management, Hamilton Lane, Tectonic Ventures and Broadhaven Ventures.
As a FinTech platform purpose built for private markets, Pluto connects directly to investor portfolios, enabling users to access credit on demand without selling assets or waiting months for intermediaries. By embedding AI into the lending process, the platform is designed to streamline underwriting and improve speed, transparency and accessibility across complex private market portfolios.
Pluto’s flagship product is its Wealth Equity Line of Credit (WELOC), which allows investors to borrow against private market assets at competitive rates. The product is structured so that repayment can be made from future fund distributions, with no monthly interest payments, allowing investors to maintain exposure while unlocking liquidity.
Through distribution partnerships with Allocate and Moonfare, Pluto provides access to thousands of investors managing more than $6bn in alternative assets. The platform is supported by institutional balance sheet partners, enabling Pluto to scale lending capacity to meet growing demand from advisors and investors seeking more flexible liquidity solutions.
The company’s team brings experience from Fidelity, Canoe, Unqork, Paul Weiss and Citi, combining institutional credit, technology and AI expertise. Pluto says this background positions it to underwrite and scale credit across increasingly complex private market portfolios, as it looks to redefine how capital moves within the asset class.
Pluto CEO and co-founder Neel Ganu said, “Pluto is the bridge between alternative asset ownership and everyday financial freedom. Our mission is simple: make liquidity accessible to all investors, without forcing early exits.”
Allocate CEO Samir Kaji said, “Liquidity constraints have limited wealth advisor participation in private markets. Our partnership with Pluto allows us to offer flexible liquidity solutions in real-time through our platform, removing a critical barrier for advisors and their clients.”
Hamilton Lane head of technology solutions Griff Norville said, “As a leader in private markets, we’re focused on enabling better, more seamless, technology-enabled access for all investors. We are excited to be partnering with Pluto, whose modern, scalable platform aims to unlock liquidity where it’s traditionally been out of reach and seeks to empower investors with speed, security and control.”
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