What We Do

We provide commercial property loans from 3 months to 5 years across a variety of sectors with all loans being secured primarily by way of 1st charge against property or land in England and Wales. We will consider 2nd charges as supporting security.

• Meet the prospective borrower face to face, building long-lasting relationships over time.
• Tailor our products. Take time to understand the requirements for commercial property loans, visit the asset(s) and look to match and if necessary, adapt the product to the borrower as appropriate.
• Flexible commercial property loans solutions. Stay close to the borrower and if a change is required part way down the line, understand that change and amend the deal.

Testimonials

Harrison Developments Malton LLP

"HS Credit took over our funding requirements in Summer 2022, we were previously with an excellent short-term funder and HS Credit were a logical choice as long-term relationship.

"The whole team at HS Credit have been fantastic and has a feel of the old ways of banking, as you can speak to whoever you need in the team when required.

"The swap from one funder to another was made very easy which was helped along by a good legal team on both sides.

"We hope to be doing business with HS Credit for the foreseeable future."

Damian McGann Funding friends.

"We have completed several transactions across the last 12 months with the HS Credit team. We and our clients have found them to be knowledgeable and pragmatic on commercial decisions, afforded by their refreshing risk-based approach to lending."

Paul Gorman

"It is great to work with the team at HS Credit, in particular, as an introducer it is good to be able to speak with someone who is very experienced, so they don’t waste my time telling me that they can do the deal only to find out when it reaches their underwriters that it cant. The drawdown process is also very efficient which is again down to them having an experienced team who work closely with their legal team, myself and the borrower to ensure a prompt completion."

Dynamic Capital

"We have been working with HS Credit for the last two years, initially with the development of a Tesco Express at Killinghall (Nr Harrogate) and latterly with our Rodley development to fund a new swing bridge / S278 road layout, designed to meet the statutory requirements of the Highways Agency.

"Both projects have seen difficulties emerge that could not necessarily be envisaged at the outset. HS Credit as a funding partner, show both flexibility and understanding throughout the development, working with you to a successful conclusion.

"They have a full understanding of property development/management and have stood alongside us throughout both of our developments. Such a different approach to tick box lenders who have little or no understanding of property transactions."

McCauls

"Efficient people to deal with from the outset and very understanding of our requirements with a great market knowledge, providing us quickly with a deal that was commercially competitive."

Kuldeep Marwaha CEO Marsons Developments Ltd

"I have enjoyed working with HS Credit on three developments now. My brother and I met John Harrison on the first site in Smethwick in 2021. He understood that what was important to us was working with a flexible lender who understood the challenges of the development sector and could structure a deal that worked for us. HS Credit have supported us throughout, and John & the Team are always receptive to whatever we throw at them."