The UK senior-secured alternative credit market continues to expand as banks step back from smaller, bespoke property transactions. Rather than relying on headline figures, Hillside has taken a practical, borrower-led view of the portion of this market that easyMoney can realistically serve, based on how the platform operates today.
A Grounded Definition of Market Size
Our analysis focuses on UK-only, property-backed, senior-secured lending that fits easyMoney’s typical deal profile. This excludes very small retail loans and large institutional transactions, narrowing the focus to lending that can be deployed consistently and at scale.
Market Overview
- Bridging finance: The UK bridging market is currently running at high single-digit billions annually. Filtering for easyMoney-sized transactions produces a core opportunity of approximately £3.5–5.5bn per year.
- Development & acquisition finance: Small-to-mid-cap residential and mixed-use development remains under-served by traditional lenders, representing a further £10–15bn annual opportunity aligned with easyMoney’s senior-secured approach.
Combined, this implies a practical addressable borrower market of ~£13.5–20.5bn per year.
What This Means for easyMoney
In practice, loans often remain outstanding longer than headline “short-term” labels suggest, supporting a larger steady-state loan book without increasing annual origination requirements. As a result, scaling to a multi-billion-pound loan book would still represent only a low-single-digit share of annual borrower demand, leaving significant headroom for growth.
easyMoney’s positioning , combining balance-sheet origination with retail and HNW distribution , enables it to operate between banks and institutional lenders on one side, and pure retail platforms on the other, offering speed, flexibility, and disciplined senior-secured risk.
Key Takeaway
The opportunity for easyMoney is substantial, well-defined, and achievable within its existing strategy. Growth is driven less by market size and more by origination capacity, underwriting strength, and deployment efficiency.