One-stop funding partners

The built environment continues to evolve and we continue to adapt and drive innovation

We provide a partnership approach to lending, and our diverse team have the experience and perspective to support our partners throughout the development journey from start to finish. We are able to constantly adjust to market conditions to provide the flexibility needed to deliver.

Backed by institutional investors, our funding helps to create sustainable and lasting developments that serve local communities.  Our deep market experience gives us the edge to target above-average risk-adjusted returns for our investors. Our leading advisory and funding capabilities ensure that our partners keep returning, choosing Hilltop Credit Partners to grow their business and achieve their vision. 

We are a true funding partner, not just another real estate development finance company.

Apply for a loan with Hilltop Credit Stream - technology designed to help borrowers connect to capital efficiently and at scale.

You can sign up here, or if you already have an account log in here.

Richard Pascoe

Our partnership with Hilltop Credit Partners has proved to be a fruitful collaboration, so we are delighted to be working with them again on this exciting urban regeneration development. We look forward to delivering these modern sustainable homes due to be completed by September 2025."

Richard Pascoe
Managing Director of Pascoe Homes

Malcolm Officer

The support of highly experienced and well-capitalised alternative lenders like Hilltop Credit Partners is critical in enabling us to deliver much-needed residential developments across Scotland. We have identified new sites, including a development in the UK, and look forward to bringing them forward with the support of Hilltop.”

Malcolm Officer
Glenisla Developments Ltd

Stennard Harrison Jr.

We are excited to be breaking ground on a development site we have been assembling for over 30 years. With a footprint of over 7 acres, the Sherriff’s Gate development will have a transformative effect on Worcester’s City Centre. Given the strong local housing demand, and the lack of affordable housing supply that has been delivered over the past decade, we believe there will be strong uptake for Phase I units from both owner-occupiers and buy-to-let landlords.  It has been a pleasure to work with the Hilltop team whose deep understanding of development finance allowed us to successfully complete this complex transaction.”

Stennard Harrison Jr.
CEO of Sherriff’s Gate Limited

We provide loans to support developers across the full life-cycle of a development

Apply for a loan today with HT Credit Stream

Key Lending Criteria - Up to 75% LTGDV / 90% LTC



Established small and mid-sized developers with a demonstrable track record 


Developer equity:

10% (credit may be given for equity value embedded in land)


Loan Size:

From £5 million to £100 million+



As much as 90% Loan to Cost and up to 75% Loan to Gross Development Value



From 6% on drawn capital, paid at maturity


Loan term:

Between 12-36 months


Planning Permission:

Required, although application can proceed pending planning permission