Don't invest unless you're prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
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Don't invest unless you're prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
We believe trust is earned in the open, whether you're a retail investor, real estate developer or a regulator. So we hide nothing: risk sits next to reward, the terms are clear, and our track record is there for anyone to inspect.
We've nothing to gain from you misunderstanding us.
We believe our customers are smart. They don't need finance dumbed down — they need it explained properly.
We give people clear information and an innovative range of products that allows them to put their money to work, however they choose.
We believe steady beats spectacular. Ours is the patient kind of return — earned monthly, secured against real property, built to repeat.
Other platforms can sell excitement; we sell effective and innovative investing.
We believe money should do something real.
Every loan becomes a building, a project, a great British business — something you can point to. That's good for the borrower who builds it, and the lender it repays.
CEO
Rishi has more than 15 years' experience in UK real estate development and investment. Over that time he has built a significant track record of originating, underwriting and delivering transactions across residential, commercial and mixed-use assets. His underwriting approach is grounded in hands-on experience as a principal. As a founding member of BPS Purestone, a private investment firm focused on value-add real estate across the UK, he has led the firm's strategy and deal execution from the outset.
At Mustard, Rishi is leading the platform's next phase of growth. He is focused on rigorous credit standards, transparent investor communication and fast, dependable funding for borrowers.
CCO
Baljit Dhingra is a seasoned financial crime and risk management professional with over 13 years of experience in the banking industry. Previously working as a Financial Crime Officer at Shawbrook Bank, he specialised in AML investigations, transaction monitoring, KYC/EDD compliance, and regulatory reporting. Throughout his career at HSBC UK, Nationwide Building Society, and beyond, Baljit has played a key role in mitigating financial crime risks, developing compliance policies, and strengthening customer relationships.
Holding an LLB Law degree from the University of East London, as well as an Advanced Certificate in Anti-Money Laundering (ICA) and a Certificate in Business Banking and Conduct, he brings a strong analytical mindset and a commitment to safeguarding financial institutions.
Outside of work, Baljit is passionate about football and cricket, enjoying both playing and following the sport.
CTO
Joe is a technology leader with over 20 years’ experience spanning engineering, architecture and management, and has specialised in fintech and proptech for the past ten years. His background is unusually broad: he has worked across every layer of the stack, from user experience and mobile applications to back-end systems, cloud infrastructure and IT operations, which gives him a rare end-to-end view of how a business’s technology fits together.
Having held senior technology roles in a range of sectors before moving into lending, Joe has spent much of his career building and running the kind of systems that simply cannot go down. He is responsible for the design and build of Mustard’s regulated lending platform, and for its ongoing security, availability and integration with partners.
At Mustard, Joe leads technical strategy, focused on customer experience, platform resilience and scaling the business smoothly.
Outside of work he’s a keen cook and can’t stay out of the gym.
Head of Operations
Anton has been with Mustard since 2017, playing a key role across compliance, lending operations and the day-to-day management of the business.
With a Bachelor’s degree in Business Management, Anton has developed broad experience across the full lending lifecycle. He works closely with the Financial Conduct Authority and is involved in maintaining Mustard’s regulatory and compliance framework. He has a detailed understanding of both the regulatory requirements and practical realities of property lending.
Anton has become an integral part of the Mustard team, bringing a broad operational perspective and detailed knowledge of the company’s lending processes and controls.