Our Business Credentials

Totum Finance is an independent specialist consultancy firm. We provide commercial and business finance support to SME clients throughout the whole of the UK.

Our Story

Totum Finance was set up in 2015 in the aftermath of the financial crisis to provide clarity and transparency. Risk management is at the heart of every decision and advice given to our clients. With our knowledge and experience, we stand out from the rest by providing well-funded and executed finance strategies. We offer straightforward honest advice, given freely and without obligation.

Our high-quality team of experts have years of experience in finding the best property loans and funding options for various projects. From our head office in Northampton, we help clients across the UK who have various property development needs.

A Few Words From Our CEO

Totum Finance was set up in 2015, in the aftermath of the financial crisis to provide clarity and transparency, but also ensure risk management is at the heart of every decision and advise given to SME developers. Today is an exciting time in many ways with various different lenders, and equity providers popping up in order to support potential deals. The need for a knowledgeable and experienced partner has never been as great. Trust us with your project and we will reward you with a well funded and executed finance strategy
Piragash Sivanesan
CEO & FOUNDER

Why choose Totum Finance?

We are genuinely independent. Whatever your commercial funding requirement, we offer you a free, impartial and completely confidential initial consultation and we will quickly assess the funding options available to you.

Through our established lender partner network, we give you immediate access to over 250 alternative UK based commercial lenders and private banks. All of our lending partners have funds available. They are keen to support the right proposition and provide a genuine and viable alternative to the high street lenders. The majority of specialist lenders in the current marketplace will only accept qualified and packaged mortgage and loan proposals from specialist brokers such as ourselves.

A true partnership; we ensure our goals are aligned with yours. We offer all our clients a true ‘one-stop shop’ facility. Our core competence is to provide you with a fully managed and professional service to secure the most competitive funding offer available from the entire market. We can also organise any property valuations, insurance and legal support necessary to complete the transaction.

If your bank has failed to offer support, we will do everything possible to find you a workable and affordable business solution. Time and again we prove to our clients that we can secure funding where others fail.

We will package and submit the proposal to ensure your funding application is positively sanctioned and approved.

We know time is of the essence, so we work hard to ensure funds are made available in the fastest possible time.

Every client of Totum Finance is assigned a Client Growth representative. This team are not brokers and their focus is not making an introduction. Success is a suitable, timely and stable funding solution. Every case is looked after by the Structured Execution team. This team has been involved in over £10bn of debt and equity transactions. Their role will be to ensure every focus is made on executing your transaction.

Whether your business is a start-up or well established, our core service offering is:

Testimonials / Case Studies

We’re incredibly proud of the service we offer and the relationships we build.  Find out what our clients think about working with us.

We’re also excited to share with you Totum Stories; a look at some of our entrepreneurial clients and the amazing things they’re achieving.

Our Latest News

Totum Finance work with a panel of short-term loan lenders to assist you in securing a fast bridging loan and any short-term loans you may require. We don’t judge when it comes to credit history, as we can also secure adverse credit bridging loans.


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.

SIMPLY THE BEST!
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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
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