# Pluto Financial Technologies

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/pluto-financial-technologies

- Industry: Financial Services
- Headquarters: New York, US
- Website: www.plutocredit.com
- Total disclosed funding: $8.6M
- Latest round: Seed (Jan 6, 2026)
- Investors on record: 6

## About

Based in the US, Pluto Financial Technologies specializes in providing innovative financial solutions for high-net-worth individuals, focusing on liquidity management without requiring asset liquidation.Pluto Financial Technologies, Inc. is dedicated to offering financial liquidity solutions through its Wealth Equity Line of Credit (WELOC). Founded in 2025 and headquartered in New York, US, the firm has completed 1 deal, with its most recent funding round being a Seed round on January 6, 2026. The company successfully raised USD 8.6 mn from notable investors including Apollo Global Management and Hamilton Lane. Information about the founder is not available.Pluto Financial Technologies, Inc. offers a specialized financial product known as the Wealth Equity Line of Credit (WELOC), providing liquidity solutions for high-net-worth individuals invested in private equity and alternative assets. The WELOC enables clients to access capital without liquidating their positions, thereby avoiding tax implications and preserving their long-term investment strategies. This credit facility is repaid automatically through fund distributions, with terms including a starting interest rate of approximately 7.5%, a loan term of up to five years, and a minimum loan size of USD 250,000. Pluto's services cater primarily to high-net-worth individuals, investment advisors, and platform partners across North America, Europe, and Asia, facilitating secure and efficient liquidity solutions.Pluto's revenue model revolves around its WELOC offering, which facilitates credit through partnerships with financial institutions. High-net-worth individuals engage with Pluto to secure credit against their alternative asset portfolios without triggering taxable events. Revenue is generated through interest accrued on loans, starting from SOFR plus 350 basis points, resulting in a competitive rate of approximately 7.5%. The transactions are structured on a B2C basis, allowing individual clients to meet their liquidity needs directly through the WELOC service, effectively monetizing its financial technology solutions while delivering tailored services.In January 2026, Pluto Financial Technologies, Inc. raised USD 8.6 mn in Seed funding, which will be utilized to build and scale its credit infrastructure, enhance its artificial intelligence-powered lending platform, and expand access to credit backed by private equity, venture capital, and alternative assets. The company plans to introduce new products designed to enhance its service offerings, while also targeting expansion into additional markets in North America and Europe by the end of 2026.

## Funding rounds

- Seed, Jan 6, 2026, $8.6M — Hamilton Lane, Portage Capital, Broadhaven Capital Partners, Motive Partners, Tectonic Ventures, Apollo Global Management

## Investors

- Hamilton Lane (https://capitalatlas.ai/funds/hamilton-lane) — Seed
- Portage Capital (https://capitalatlas.ai/funds/portage-capital) — Seed
- Broadhaven Capital Partners (https://capitalatlas.ai/funds/broadhaven-capital-partners) — Seed
- Motive Partners (https://capitalatlas.ai/funds/motive-partners) — Seed
- Tectonic Ventures (https://capitalatlas.ai/funds/tectonic-ventures) — Seed
- Apollo Global Management — Seed