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120k Bridging Loans - Get a Quote Today

A £120,000 bridging loan offers UK SMEs a flexible and timely funding solution to bridge short-term cash flow gaps, supporting critical needs such as payroll, inventory procurement, and operational expenses. As a trusted Funding Agent, we enable businesses to access this capital quickly, ensuring continuity and growth during transitional periods without disrupting long-term financing strategies. This targeted finance helps SMEs maintain stability and seize new opportunities with confidence.

Secure up to £120,000 in Bridging Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £120,000 in Bridging Loans with Funding Agent. with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of 120k Bridging Loans?

Enjoy the advantage of swift access to substantial funds with bridging loans. With lending terms ranging up to 36 months and interest rates from 0.4% per month, they are tailored to meet your timing and financial needs. For more insights, see how small businesses leverage bridging loans to thrive.

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Bridging finance solution

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What are the different types of 120k Bridging Loans?

Closed Bridging Loan

Closed bridging loans require businesses to have an agreed upon exit strategy with specific repayment dates, generally covering amounts from £25,000 to £250,000. Discover more about what bridge loans entail.

Closed Bridging Loan

Closed bridging loans offer amounts from £25,000 to £250,000, supported by imminent financing arrangements as a repayment guarantee. They cater to urgent property purchases and renovations, making them ideal for retail and hospitality sectors. Typically, interest rates range from 0.4% to 1.5% per month, with decisions made within 24 to 72 hours. Explore further at bridge loans.

Open Bridging Loan

Open bridging loans offer flexibility for businesses lacking a finalized exit strategy, with typical loans from £50,000 to £500,000. Learn about bridging loans used by tech companies.

Open Bridging Loan

From £50,000 to £500,000, open bridging loans cater to businesses exploring multiple exit strategies, often used during company expansions or to cover unexpected large expenses. Interest rates vary from 0.5% to 1.9% per month, and decisions arrive within a week. This type offers crucial support for manufacturing and tech company expansions. Visit our bridging loans page for more.

Development Bridging Loan

Development bridging loans are designed for real estate acquisitions and developments, with amounts ranging from £100,000 to £10 million. For extensive details, see our bridging loans.

Development Bridging Loan

Development bridging loans support large-scale property projects, offering loans between £100,000 and £10 million. With detailed development plans and exit strategies required, these loans suit commercial property developers seeking timely funds. Interest rates range from 0.65% to 1.5% monthly, with approvals generally within 1 to 2 weeks. Check out our insights on bridging loans.

Typical Funding Journeys on Funding Agent

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What is a 120k bridging loan?

Application and Approval Timelines

The bridging loan application demands comprehensive documentation, including financial details, collateral, and exit strategies. Typically, initial decisions span from 24 hours to a week, with funds accessible within 1 to 3 weeks. Explore further about business loans applications and processing times.

Borrowing Capacity and Rates

In the UK, bridging loans are governed by stringent Financial Conduct Authority regulations, ensuring transparency and affordability checks. Our focus on compliance ensures borrowers are fully informed. For more, see our discussion on unsecured commercial loans.

Borrowing Capacity and Rates

Bridging loan rates range from 0.4% to 1.9% monthly. Factors influencing borrowing capacity include business financial health, collateral, and lender's risk appetite. Interested in more? Dive into how unsecured business loans can support your needs.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with a bridging loan?
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What are the eligibility requirements for a closed bridging loan?

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