Corporate Introduction • February 2026
The Future of Capital:
Introducing Lumora Capital
The traditional lending landscape is undergoing a systemic shift, and the mid-market is feeling the pressure.
Lumora Capital is designed to bridge this gap by focusing specifically on the high-value, complex £10M to £50M space—specialising in first-charge bridging across residential, commercial, and land assets.
The Problem: The £160Bn Maturity Wall
Industry estimates have identified a £160Bn European refinancing gap for the 2026–2030 period. While capital markets are stabilizing, a critical €74 billion (£62 billion) funding gap remains for the immediate 2026–2028 window—specifically impacting the complex mid-market sector.
Our Focus: Funding in £10M–£50M Loans
Lumora Capital is specifically engineered to execute the high-value bridging transactions that legacy institutional processes struggle to match, focusing its funding on residential, commercial, and land assets within the £10M–£50M loan bracket.
A Collective Lending Experience of £22.3 Billion
- Piragash Sivanesan: £11Bn+ in historical lending and £4Bn in corporate restructurings.
- Karan Doshi: £2Bn+ in commercial real estate (CRE) and structured corporate lending.
- Jennifer Cruickshank: £5.3Bn of transactional lending across 32 international jurisdictions.
The Operating Philosophy
- Process Automation. Human Judgement: Lumora utilizes future-state technology to radically reduce operational drag, ensuring the delivery of indicative terms within 24 hours while keeping final credit and legal judgment firmly with our principal experts.
- Executive Commentary (Siv Sivanesan, CEO): “We’re building a lender for 2030 and beyond; designed to scale with an evolving marketplace, and grounded in what matters most: enduring relationships, exceptional talent, and technology that empowers both.”
Our mission is to combine institutional-grade underwriting with a future-state technology architecture that moves at a pace that legacy processes struggle to match. With a founding team that has managed over £22Bn in lending originations—including alumni from Shawbrook, RBS, Lloyds, and Deutsche Bank—we are building the infrastructure for the next era of real estate credit.
Lumora Capital is designed for clarity, built for speed, and committed to delivering underwriting discipline. We focus on bespoke structuring and pragmatic, hands-on execution from approval through to completion. As the lender brokers call when they’ve secured a mandate that really matters, we stand together with you to ensure the process remains decisive and the outcome stronger for everyone.
The future of capital is frictionless. Lumora Capital is built to make it real.
