March 13, 2026
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Best Bridging Loan Lenders

Discover the best bridging loan lenders in the UK. Compare rates, terms, and find fast, reliable bridging finance solutions tailored to your needs.
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Best Bridging Loan Lenders
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

Best Bridging Loan Lenders

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-13.

1. Funding Agent

Funding Agent focuses on helping UK SMEs quickly compare unsecured business loans. It suits franchise buyers and small businesses seeking working capital with fast application and eligibility checks. The platform offers flexibility without requiring collateral and provides access to various lending options through a brokered service.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Castle Trust Bank

Castle Trust Bank offers bridging loans and mortgages focused on property investors and landlords. It suits those purchasing or refinancing property with long-term, predictable loan structures. The bank provides secured lending with flexible terms and tailored financing solutions within the real estate sector.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £15,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 10 years ⌛

Services & Industries

  • Finance Types: Bridging Loans, Mortgages
  • Industries: Real Estate

Pros

  • Flexible terms
  • Focused on property investments

Cons

  • Limited to property sector

Sources: Source

3. Propp

Propp specialises in comparison of property finance deals across the UK. It suits property buyers and developers seeking to find tailored bridging and commercial mortgage options. The platform emphasises simplifying choices with brokered access to diverse lenders and flexible repayment terms.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.7%
  • Max APR: 3.14%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages
  • Industries: Real Estate, Commercial Development

Pros

  • Comprehensive comparison platform
  • Tailored finance solutions

Cons

  • Focus primarily on property

Sources: Source

4. United Trust Bank

United Trust Bank offers secured loans including bridging finance for diverse sectors. It is suited for borrowers needing secured funding for property or business purposes, with competitive rates and medium-term durations. The bank emphasises flexibility in loan structures alongside industry-specific servicing.

Loan Details

  • Min Amount: £125,000
  • Max Amount: £15,000,000
  • Min APR: 0.58%
  • Max APR: 0%
  • Loan Duration: 12-24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Secured Loans
  • Industries: Real Estate, Construction, SMEs

Pros

  • Established lender
  • Competitive rates

Cons

  • Primarily serves UK market

Sources: Source

5. Together Money

Together Money provides loan options including bridging and auction finance aimed at property buyers. It suits borrowers who value flexible terms and personalised service with customer focus. The lender facilitates both short and medium term loans with adaptable repayment plans.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-12 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Auction Finance
  • Industries: Real Estate, Auction Properties

Pros

  • Customer-focused lending
  • Flexible solutions

Cons

  • Higher interest rates for shorter terms

Sources: Source

6. KIS Finance

KIS Finance specialises in bridging loans for individuals and businesses, providing commercial mortgage and property finance solutions. It suits borrowers focusing on secured lending with broker assistance. The lender offers access to a wide loan range with attention to property-related sectors.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000,000
  • Min APR: 0.49%
  • Max APR: 0%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages
  • Industries: Real Estate, Commercial Development

Pros

  • Wide range of loan amounts
  • Specialized brokers

Cons

  • Primarily serves property finance

Sources: Source

7. Brickflow

Brickflow operates a digital platform connecting borrowers and specialist lenders for property finance. Suitable for property developers and investors, it provides streamlined access to multiple lenders. The service supports secured loans with emphasis on speed and convenience.

Loan Details

  • Min Amount: £150,000
  • Max Amount: £150,000,000
  • Min APR: 8.75%
  • Max APR: 14.25%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Bridging Loans, Development Finance
  • Industries: Real Estate, Property Development

Pros

  • Digital platform
  • Access to multiple lenders

Cons

  • Higher rates for certain products

Sources: Source

8. Market Financial Solutions

Market Financial Solutions offers bridging finance and customised loans for real estate needs. It targets borrowers looking for bespoke funding solutions with flexible terms. Experience in property finance allows for adaptation to varied loan structures and customer requirements.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £200,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Bridging Loans, Buy-to-Let Mortgages
  • Industries: Real Estate

Pros

  • Bespoke loan solutions
  • Experienced lender

Cons

  • Currently facing administrative issues

Sources: Source

9. Money.co.uk

Money.co.uk is an online comparison service providing access to various loan products. It is suitable for borrowers seeking options across secured and bridging loans from multiple lenders. The platform aims to support informed decisions through wide lender variety and straightforward comparisons.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 7.5%
  • Max APR: 0%
  • Loan Duration: Depends on lender ⌛

Services & Industries

  • Finance Types: Bridging Loans, Secured Loans
  • Industries: General Consumer, Financial Services

Pros

  • Extensive comparison tools
  • Variety of lenders

Cons

  • May not cover niche markets

Sources: Source

10. Clifton Private Finance

Clifton Private Finance is a brokerage offering diverse financial loans including bridging and property finance. It fits clients needing customised solutions for property or business financing. The firm emphasises strong industry links and flexible terms matched to borrower needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £100,000,000
  • Min APR: 7%
  • Max APR: 30%
  • Loan Duration: Flexible terms available ⌛

Services & Industries

  • Finance Types: Bridging Loans, Property Finance
  • Industries: Real Estate, Business Finance

Pros

  • Customized finance options
  • Strong industry relationships

Cons

  • Focus on high loan amounts

Sources: Source

How to choose

When selecting the best bridging loan lender, consider your loan size and the specific property or business needs. Evaluate APRs alongside repayment flexibility and the requirement for security or collateral. Speed of approval and loan setup can vary, so match this to your timeframe. Also review eligibility criteria, lender reputation, and any fees or exit penalties. Using broker services can broaden access to options but may add complexity. Choose the lender that aligns best with your financial situation and project goals.

Conclusion

Choosing the right lender depends on your specific needs for bridging finance. Banks often provide stable, secured loans suitable for larger amounts or property refinancing. Brokers and specialist platforms offer access to a wider marketplace with flexible options for diverse borrower profiles. Funding Agent is a strong choice for SMEs seeking rapid comparison across multiple providers. For loans around 200 thousand pounds, consider carefully the balance of loan terms, security, and lender type to suit your project.

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Castle Trust BankCastle Trust Bank offers a range of financial services including bridging loans and mortgages, tailored to property investors and landlords.£50,000–£15,000,000; 0%–0% APR; Up to 10 years
3ProppPropp is the UK's first specialist property finance comparison site, simplifying the process of finding and comparing property finance deals.£100,000–£5,000,000; 0.7%–3.14% APR; Varies
4United Trust BankUnited Trust Bank is a specialist lender focused on secured loans including business and property finance, serving a range of sectors.£125,000–£15,000,000; 0.58%–0% APR; 12-24 months
5Together MoneyTogether Money offers a range of loan products including bridging loans, with a focus on flexible, customer-centric finance solutions.£50,000–£10,000,000; 0%–0% APR; 1-12 months
6KIS FinanceKIS Finance provides specialized finance options including bridging loans for individuals and businesses across the UK.£50,000–£500,000,000; 0.49%–0% APR; Up to 24 months
7BrickflowBrickflow is a digital platform that connects borrowers and lenders in the specialist property finance market, offering innovative tools to streamline the loan process.£150,000–£150,000,000; 8.75%–14.25% APR; Varies
8Market Financial SolutionsMarket Financial Solutions specializes in bridging finance and offers bespoke loans for a variety of real-estate related funding needs.£25,000–£200,000,000; 0%–0% APR; Varies
9Money.co.ukMoney.co.uk provides a comprehensive online comparison service for various financial products including loans, aimed at helping consumers make informed decisions.£500–£15,000,000; 7.5%–0% APR; Depends on lender
10Clifton Private FinanceClifton Private Finance is a brokerage specializing in diverse financial solutions including property and business loans for varied client needs.£50,000–£100,000,000; 7%–30% APR; Flexible terms available
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