Pluto Unveils AI-Powered Credit Platform for Private Markets
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Pluto Financial Technologies, a next-gen embedded lending firm, announced yesterday, January 6, that it has rolled out an AI-powered lending platform that will unlock liquidity in private markets.
The firm’s announcement said that the platform was purpose-built for private markets, and it was backed by several major VCs, including Motive Ventures, Apollo Global Management, Portage, Hamilton Lane, Tectonic Ventures, and Broadhaven Ventures.
The firm managed to raise $8.6 million in seed funding thanks to these backers, which allowed it to create the new AI-powered credit infrastructure that enables financial advisors and their high-net-worth clients to borrow against private equity, venture, and alternative assets without selling.
Apart from the $8.6 million in equity that the firm raised, it also secured hundreds of millions in lending capacity, the announcement explained.
Pluto’s announcement said: “Private markets are booming, with total AUM projected to grow 1.5x in the next five years. Yet these assets largely remain locked up for years, burdened by unpredictable capital calls, scarce secondary options, and steep discounts for sellers. Additionally, borrowing against them has historically been slow, costly, and accessible only to the ultra-wealthy.”
The firm can offer a modern solution by transforming illiquid private market assets into instant financial flexibility.
Pluto Is A Bridge Between Alternative Asset Ownership and Financial Freedom
As a lending platform powered by AI that was purpose-built for private markets, Pluto can connect directly to portfolios, granting investors access to credit on demand, without selling positions or waiting months for intermediaries.
Pluto’s CEO and co-founder, Neel Ganu, commented on the matter, saying that Pluto acts as the bridge between alternative asset ownership and everyday financial freedom. “Our mission is simple: make liquidity accessible to all investors, without forcing early exits,” Ganu added.
Pluto’s flagship Wealth Equity Line of Credit was designed to allow investors to borrow against private market assets at competitive rates, with repayment from future fund distributions and no monthly interest payments.
Through two major distribution partners – Allocate and Moonfare – Pluto can provide access to thousands of investors, managing more than $6 billion in alternative assets and enabling smarter liquidity decisions.
Allocate’s CEO, Samir Kaji, said that liquidity constraints have limited wealth advisor participation in private markets. The partnership with Pluto allows the company to offer flexible liquidity solutions in real-time through Allocate’s platform, thus removing a critical barrier for advisors and their clients.
