• Welcome to

    Totum Finance

    Totum Finance is an independent Specialist Funding Consultancy.  We assist companies across the UK with the real estate related funding. 

  • Access to over 250

    Lending Partners

    Totum Finance does NOT simply introduce a lender.  We believe in crafting a funding strategy to match the lender risk profile to your vision and specific requirements.  Where we are with you every step of the way. 


This is our mission and the hallmark of our approach to funding,  From the largest British financial intuitions to European debt funds and smaller family offices, we arrange funds in order to suit our borrowers.

Award Nominated

Totum Finance is an award nominated brokerage, placed in the top 30 brokers for 2022. Development Broker of the Year 2021. Power 2022 List.

Bridging Finance

Bridging Finance is one of the most flexible and rapid funding solutions.  However, Bridging is also one of the most expensive options for an entrapper. Totum’s mission is to utilise Bridging as part of the funding toolkit in order to unlock projects or special situations which can yield profit but feels just out of reach with conventional finance. 

Some of the areas we can fund using Bridging:

Auction Finance, Speedy Transactions, Special or Unique Asset Class, Land Finance, Credit Repair Loans, Below market value transactions.

Assisting Developers

Development Finance, where we can use an array of types of funding to create a suitable capital spec. Senior debt Mezzanine, Stretch Senior, Preferred Equity, 3rd Party Equity, JV Equity and 100% debt funding are all types of funding we can use to create the most suitable solutions.

Investment Funding

For all your commercial investment and larger residential investment needs, we are there to support your longer term wealth with suitable lenders who can support you on the type of valuations that may be achievable.    

Specialist Real Estate

Student Accommodation, Hotel Financing, Healthcare including care homes and later life living are all areas we can assist you with your funding strategy. 

What our customers are saying

“Totum Finance goes above and beyond!”

Phenomenal Service! They got the deal done!
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Piragash and the team at Totum Finance go above and beyond what their clients expect of them. They had extremely quick turn around times and were able to find solutions for every hurdles we came across to get the deal across the line. I would definitely recommend them and continue to use their services for future deals.

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Piragash and the team at Totum are a different league. I have been in and around development funding for many years and have never come across anyone with the same knowledge and understanding as Piragash. Seriously I couldn’t recommend him highly enough

Received absolutely first class service…
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Received absolutely first class service from Totum. Long term finance was taking longer than anticipated and a bridge was potentially needed in a matter of weeks. Piragash and the team moved extremely quickly coming back with offers in 48 hours. In the end it wasn't required but the professionalism, speed and genuine desire to provide a solution was greatly appreciated. Look forward to working with them in the future.

Helpful Throughout the Process
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This was our first time arranging a development loan with Totum Finance. Piragash was exceptionally helpful and generously allocated his time to assist with the rather onerous lender due diligence process. He was throughly proactive and also responsive when required. We would highly recommend this broker.

Not your average broker
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Piragash was recently recommended to myself via a contact who ensured me that all my issues would be resolved. I have worked with a few brokers and Piragash and the team I couldn't recommend higher. Piragash gave me a huge amount of his time both on business and personal matters. I was given multiple offers for a development that I recently completed on with the help of Totum Finance. I consider now Piragash and the team to be a valuable member of the team and looking forward to working on further deals in the future

Belief in regional knowledge

Totum Finance covers funding across the whole of the UK from its regional Centre’s.


London is not just a city in the UK it’s a global reference point. Its real Estate is seen as an everlasting asset class, built around a stable legal and regulatory environment, We assist foreign and domsesticve investors make the most of this market.

The Midlands

The Midlands, includes the city of Birmingham, which is seeing one of the largest amount of infrastructure investments with HS2 increasing connectivity and the Commonwealth Games, brings both investment and the gaze of the international community.

The North

The Northern Powerhouse is driven by our regional cities such as Leeds, Sheffield, Manchester, Liverpool, and York. A huge swathe of innovative entrepreneurs are leading the charge in transforming unused and unloved pieces of urban wastelands. We are proud to be working with some wonderful clients.

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