Pluto Credit

Pluto Credit is a fintech company that provides a Wealth Equity Line of Credit (WELOC) — a non-recourse credit facility designed for high-net-worth investors in private markets and alternative assets. Investors can access liquidity without selling their positions in private equity, private credit, or other alternative assets. The WELOC offers loan terms of up to five years with no monthly payments; interest accrues and is repaid automatically through fund distributions. Loan-to-value ratios run 30–35% with a minimum loan size of $150,000 and no personal guarantees required. Pluto is supported by top-tier balance-sheet providers including Hamilton Lane, serving individual investors, financial advisors, and platform partners.