• Your team...


Piragash Sivanesan

Founder and Director

Piragash has over 12 year’s experience as a corporate banker with significant international exposure. He graduated with a BSc in Management and Administrative Studies from Aston Business School in 2002. He started his working career at KPMG in the audit department, he moved to Lloyds Bank in 2003 joining the graduate program. After the program finished he moved between various areas at Lloyds including restructuring, corporate banking, strategy and structured asset finance. In 2010 he moved to Royal Bank of Scotland as a relationship director in the marine department, focusing on large ticket – mortgage based financings.

Piragash is passionate about his clients and their success, and feels finance solutions should be innovative and relevant while simple to use and easy to understand. He is an avid sports fan and married with two young children. Piragash loves personal challenges, and is hoping to conquer the Tough Mudder obstacle course in 2016.



Your Totum Team

Totum Finance ensures you have access to one of the most experienced, friendly and knowledgeable teams in the UK Financial Services sector. Seasoned ‘veterans’ are complemented by an energetic and youthful support and underwriting team providing all Totum Finance Clients with what we believe to be an unmatched level of business support and customer service.


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.