HS Credit (Birmingham) Ltd and HS Credit (Manchester) Ltd HS Credit (Birmingham) Ltd and HS Credit (Manchester) Ltd ("HS Credit") are the wholly-owned subsidiaries of Hap Seng Consolidated Berhad, a conglomerate listed on the main market of Bursa Malaysia with a market capitalisation of £4.5bn. Our UK operation, HS Credit, provides short to medium term unregulated funding for Commercial Property in England and Wales. We provide : • Secured, Medium term, Bridging and Development Finance loans. • Minimum £250k- up to £10m. • Prompt response and access to funds. • Tailored solutions to your specific needs.