Piragash Sivanesan

After a career in Corporate Banking helping large listed companies with their funding needs, I set up Totum Finance in order to support SME businesses and property developers improve their access to finance.  I have worked at KPMG , Lloyds Banking Group and Royal Bank of Scotland, across credit, front office, restructuring and turnaround divisions, in a career spanning over 14 years.I have learnt from some wonderful clients, managers and leaders in understanding that the funding puzzle is quite organic.  What was once the way to get funded can be affected by the economy, lenders own situations, changing needs of the borrower, interest rates, geo political situations etc..

This is why I set up Totum Finance, and why I am passionate about the way we communicate with our clients.  I want to offer new ideas, and ways to look at the funding puzzle, not just the cheapest rates or see each client as a number.  Its been a roller coaster setting up this business, serving clients, adding staff who amaze me every day with their dedication and passion, but it is also the reason why I understand what you are going through when you look at your funding solution.  It is not only about the loan, it is about the wider project, your staff, your dreams and your family, and you want someone you trust who can stand beside you until its done.  I sincerely hope when you make your decision for someone to advise you on finding your funding partner, you choose us.  Either way I always wish you the best in your entrepreneurial journey!

Away from work…..I am not sure I ever leave work behind these days…I have an incredible family, including my amazing wife and two little kids, who keep me on my toes.  I enjoy the escapism of fantasy and sci fi tv and films, with a special place for Game of Thrones.  I think I secretly wish I was John Snow, but probably closer to Samwell Tarley!  I love all international sport and the way the country usually comes together despite the poor recent showings of our national teams in football, rugby and cricket.

Name:Piragash Sivanesan


Time and again we prove to our clients that we can secure funding
where others fail

We are genuinely independent, wholly impartial and we will offer straightforward honest advice, given freely and without obligation.

If your Bank has failed to offer the support you need, then call us.


We will also assign you one point of contact throughout the application process, so you are always only one call from an answer to your query.

We offer a fully managed and professional bespoke service, taking your unique needs into account when packaging a proposal.