Pluto: AI-powered credit infrastructure for private markets

Pluto is the bridge between alternative asset ownership and everyday financial freedom. Our mission is simple: make liquidity accessible to all investors, without forcing early exits.

Neel Ganu, CFA, CEO and Co-founder, Pluto

AI embedded in private market lending

Pluto has built the firstAI-powered lending platform purpose-built for private markets, transforming how investors access liquidity against alternative assets. The platform addresses a structural challenge: private markets are booming—with total AUM projected to grow 1.5x over the next five years—yet these assets remain locked up for years, burdened by unpredictable capital calls and limited secondary options.

The company’s AI capabilities streamline what has historically been a slow, manual process:

• Automated document processing: Pluto uses AI to parse unstructured documentation that accompanies private market fund investments, facilitating information sharing between fund commitment owners and lenders without months of manual review.
• Accelerated underwriting: The platform connects directly to investor portfolios, using AI to underwrite complex private market assets that traditionally require extensive manual analysis, transforming illiquid holdings into on-demand credit.
• Portfolio-level intelligence: By embedding directly into wealth management workflows through partners like Allocate and Moonfare, Pluto's Wealth Equity Line of Credit (WELOC) enables investors to borrow against private market assets at competitive rates, with repayment from future fund distributions and no monthly interest payments

As Hamilton Lane's Head ofTechnology Solutions Griff Norville noted the platform combines AI tooling with institutional credit infrastructure to "unlock liquidity where it's traditionally been out of reach and empower investors with speed, security and control.

Learn more about Pluto

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_{The information included herein is provided for illustrative purposes only. Nothing herein should be construed to imply that the company will be profitable or successful in executing on its business strategy. The information included herein is subject to change, even materially, without notice and should not be construed as business, investment, tax, accounting or legal advice. There can be no assurance that any of the outcomes described herein will materialize, in whole or in part. The information included herein has been collected from third party sources and has not been independently verified. Motive and its affiliates make no representation or warranty as to the accuracy or completeness of such information and are under no obligation to update such information beyond the date of this presentation. The company name herein should not be construed: (i) as a recommendation of any investment or security or (ii) as an endorsement of any product or service. Nothing herein constitutes an offer to sell or solicitation of an offer to buy investment interests in any current or future Motive managed investment vehicle.}