Hilltop Credit Partners
A technology-enabled development lender writing £3m to £20m of senior, whole-loan and stabilisation finance to experienced residential developers, with funding in under four weeks for repeat borrowers.
What they do
Hilltop Credit Partners lends from closed-ended funds and managed accounts, with an initial £60m committed by Metropolitan Real Estate towards a £300m target and co-origination alongside a large credit manager. Facilities cover senior development finance, whole-loan structures that remove the need for separate mezzanine, and bridging or stabilisation finance for completed schemes. Underwriting runs through a proprietary platform with automated onboarding and monthly monitoring after drawdown, with a three-stage application that can produce an initial answer in 48 hours.
Where they fit in a lower-mid-market raise
The core ticket range maps almost exactly onto a £3–15m requirement, which is rare among development funds that usually start higher. Whole-loan facilities mean one lender for senior and stretch, avoiding an intercreditor negotiation, and monthly monitoring after drawdown suits a housebuilder running several schemes at once. Deals span England and Scotland.
Where they are not the fit
Residential development is the observed focus, so a purely commercial scheme is unproven here. Developer track record is a hard test. The technology-led process means monitoring obligations after drawdown are more demanding than a traditional lender's, which is a real administrative cost.
Published terms
- Pricing
- Not published
- Speed to terms
- Initial 3-stage Credit Stream application in as little as 48 hours; repeat borrowers funded in under 4 weeks; stated 3x faster than traditional process
- Leverage
- Senior to 0.9x
- Sponsored or sponsorless
- Corporate/developer-direct appetite; targets experienced SME residential developers and housebuilders; no private-equity sponsor focus identified
- Where they lend
- UK-wide; observed deals across England (Hastings, Worcester, Leicester, Oxfordshire, Peterborough, North Devon, Taplow, Windsor, York) and Scotland; European expansion mandate under CIO Gheorghita but primary market remains UK
- How they decide
- Technology-enabled via proprietary Credit Stream platform; AI-assisted underwriting with automated KYC/KYB/AML; monthly financial and operational monitoring post-draw; human credit team retains approval authority
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Hilltop Credit Partners lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Hilltop Credit Partners lends, but which of these would own it.
Senior development finance
- Facility
- £3m to £20m
- Security
- Senior secured; primary security is the development site and works; 90% loan-to-cost maximum
- Funds
- Growth · Refinance
- Rules out
- Inexperienced developers without proven track record
Bridging and stabilisation finance
- Facility
- £3m to £20m
- Security
- Senior secured against property; bridge for site acquisition and re-positioning
- Funds
- Acquisition · Refinance
Whole loan development finance (mcap/marathon tier)
- Facility
- £25m to £100m
- Security
- Senior secured whole loan; co-originated with Marathon/MCAP and OakNorth Bank
- Funds
- Growth
- Rules out
- Sub-£25m tickets not suitable for this product tier
How they sit against the category
- Its published ceiling of £100m is among the 5 highest of the 75 property-backed lenders here.
- It starts higher than all but 8 of them, at £3m.
- It lends through 3 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Hilltop Credit Partners write?
Published facilities run £3m to £100m. Published leverage runs senior to 0.9x. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Hilltop Credit Partners move?
Initial 3-stage Credit Stream application in as little as 48 hours; repeat borrowers funded in under 4 weeks; stated 3x faster than traditional process. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Where does Hilltop Credit Partners lend?
UK-wide; observed deals across England (Hastings, Worcester, Leicester, Oxfordshire, Peterborough, North Devon, Taplow, Windsor, York) and Scotland; European expansion mandate under CIO Gheorghita but primary market remains UK.
On the record
2024: £16.8m development loan to Purple Pepper Homes, 103-unit residential scheme, central Hastings.
June 2023: £17m refinancing facility for Glenisla Developments, 200-home mixed-use, Pitcrocknie Village, Perthshire.
June 2023: £2.6m whole loan for Pars Development, 10 luxury homes, Shrivenham, Oxfordshire.
April 2022: £33m whole-loan (with MCAP and OakNorth) for 213-unit residential scheme in Worcester city centre.
2021: £4.6m bridge loan to Pascoe Homes for Leeds brownfield site acquisition.
Sources: hilltopcp.com
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.