March 13, 2026
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Best Bridging Loan Lenders for the Construction Industry

Discover the best bridging loan lenders specialised in the UK construction industry. Get quick access to funds for your building projects with flexible terms and competitive rates.
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Best Bridging Loan Lenders for the Construction Industry
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Bridging Loan Lenders for the Construction Industry

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 various business finance options through an easy-to-use platform. It is suited for franchise buyers seeking fast access to unsecured and working capital loans. The platform offers flexible, brokered access with quick eligibility checks and no collateral requirements.

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. MT Finance

MT Finance specialises in bridging finance, providing fast and flexible loans primarily for property development and refurbishment in London. It is typically suitable for borrowers seeking short-term funding secured on property with options for varied loan-to-value ratios. Their lending process balances speed with tailored loan structures for commercial and residential projects.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 8.5%
  • Max APR: 20%
  • Loan Duration: 3–24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Buy-to-Let Mortgages, Commercial Mortgages
  • Industries: Property Development, Commercial Real Estate, Construction

Pros

  • Fast funding process
  • Flexible loan options
  • Specialist in property finance

Cons

  • Higher APR for short-term loans

Sources: Source

3. United Trust Bank

United Trust Bank offers secured lending solutions focused on construction and property sectors. It suits borrowers who need a variety of loan products secured against assets with options for longer durations. The lender emphasises industry expertise and customised loan structures with varied collateral requirements.

Loan Details

  • Min Amount: £50,001
  • Max Amount: £10,000,000
  • Min APR: 7.5%
  • Max APR: 17.5%
  • Loan Duration: 6–60 months ⌛

Services & Industries

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

Pros

  • Variety of loan products
  • Industry expertise
  • Strong customer service

Cons

  • Complex application process

Sources: Source

4. Precise Mortgages

Precise Mortgages provides specialist mortgage and bridging finance focused on property developers and small businesses. It is suitable for borrowers needing tailored solutions with flexible lending terms secured on residential or commercial properties. Their offerings include a range of repayment options and competitive rates to match development and investment needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 6.9%
  • Max APR: 15.5%
  • Loan Duration: 6–24 months ⌛

Services & Industries

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

Pros

  • Competitive rates
  • Flexible lending criteria

Cons

  • Strict lending criteria

Sources: Source

5. Shawbrook Bank

Shawbrook Bank delivers a broad range of unsecured and secured loan products suited for SMEs and real estate investors. It is ideal for businesses requiring flexible terms in healthcare, commercial, or property sectors. The bank offers diverse lending structures adapted to borrower credit profiles and project types.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages, Unsecured Loans
  • Industries: Healthcare, Real Estate, Commercial Enterprises

Pros

  • Comprehensive industry coverage
  • Flexible loan terms

Cons

  • May require strong credit history

Sources: Source

6. West One Loans

West One Loans is a specialist non-bank lender focusing on bridging loans and development finance for property investors and businesses. It is suited for borrowers seeking competitive rates combined with various property finance products. The lender offers tailored loan options typically secured on real estate with flexible repayment structures.

Loan Details

  • Min Amount: £125,000
  • Max Amount: £15,000,000
  • Min APR: 6.6%
  • Max APR: 12.5%
  • Loan Duration: 1–36 months ⌛

Services & Industries

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

Pros

  • Competitive rates
  • Wide range of property finance products

Cons

  • Large loan minimums

Sources: Source

7. Apex Bridging

Apex Bridging focuses on fast, flexible bridging loans for residential and commercial property investors. It is typically suitable for borrowers seeking rapid funding release with flexible loan-to-value ratios. Their service emphasises quick decision-making and variable interest options adjusted to borrower needs.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £1,000,000
  • Min APR: 10%
  • Max APR: 15.9%
  • Loan Duration: 3–12 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Finance
  • Industries: Property Investment, Refurbishment Projects

Pros

  • Quick decision-making
  • High loan-to-value ratios

Cons

  • Higher interest rates

Sources: Source

8. Together

Together offers a range of flexible financing options aimed at individuals, investors, developers, and businesses, especially those involved in property finance. It is suited for borrowers needing creative underwriting and diverse repayment structures. Their loans accommodate various project types with adaptable terms and competitive rates.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 6.9%
  • Max APR: 14.5%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Finance, Auction Finance
  • Industries: Auction Properties, Residential Development

Pros

  • Creative underwriting approach
  • Rapid processing

Cons

  • Complex fee structure

Sources: Source

9. LendInvest

LendInvest uses an innovative technology platform to provide bridging, buy-to-let, and development finance. It is typically suited for property investors and developers seeking transparent fees and integrated lending solutions. Their offering includes flexible loan terms with industry-specific focus and low borrowing costs.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £4,000,000
  • Min APR: 5.25%
  • Max APR: 10.25%
  • Loan Duration: 3–36 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Development Loans, Buy-to-Let Mortgages
  • Industries: Property Development, Buy-to-Let Investors

Pros

  • Strong tech integration
  • Low borrower fees

Cons

  • Limited availability for new customers

Sources: Source

10. Propp

Propp is a digital platform enabling property investors to compare and secure bridging finance products online. It suits borrowers looking for competitive rates and tailored financing with user-friendly processes. The service focuses on bridging loans, commercial mortgages, and development finance with an emphasis on convenience.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 3.9%
  • Max APR: 12%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages, Development Finance
  • Industries: SMEs, Real Estate Investors, Property Developers

Pros

  • User-friendly platform
  • Competitive rates

Cons

  • Digital-only service may not suit all clients

Sources: Source

How to choose

When selecting bridging loan lenders for the construction industry, consider the size and term of the finance you require. Match loan amounts and APRs to your budget, and assess the speed of funding against the flexibility of loan terms. Review eligibility criteria carefully, including the need for collateral and acceptable loan-to-value ratios. Consider repayment types that suit your cash flow and project timelines. Check fees and early repayment policies to avoid unexpected costs. Finally, evaluate whether a brokered platform or specialist lender fits your business needs best.

Conclusion

Choosing the right provider depends on your specific requirements. Banks may offer broad lending products with secure structures, brokers provide access to multiple lenders for comparison, and specialist lenders focus on tailored bridging and development finance. For borrowers seeking a streamlined comparison of options, Funding Agent remains a practical choice. For loans around 200 thousand pounds, matching lender capabilities to your sector and loan needs is essential. Always confirm current costs and terms directly with providers as these can vary.

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FAQs

What is a bridging loan in the construction industry?
Who can apply for a bridging loan for construction projects?
How quickly can I get a bridging loan for my construction project?
What are the typical interest rates for construction bridging loans?
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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
2MT FinanceMT Finance is a leading bridging finance provider, based in London, specializing in quick and flexible lending for property development and refurbishment projects.£50,000–£10,000,000; 8.5%–20% APR; 3–24 months
3United Trust BankUnited Trust Bank is a specialist lender providing a range of secured lending solutions for businesses in the construction and property sectors.£50,001–£10,000,000; 7.5%–17.5% APR; 6–60 months
4Precise MortgagesPrecise Mortgages offers specialist mortgage and bridging finance solutions tailored to the needs of property developers and small businesses.£50,000–£5,000,000; 6.9%–15.5% APR; 6–24 months
5Shawbrook BankShawbrook Bank provides diversified lending solutions including unsecured and secured loans for a wide array of sectors, focusing on SMEs and real estate investments.£25,000–£350,000; 5%–15% APR; 12–60 months
6West One LoansWest One Loans is a specialist non-bank lender offering tailored bridging loans and development finance options for property investors and businesses.£125,000–£15,000,000; 6.6%–12.5% APR; 1–36 months
7Apex BridgingApex Bridging provides fast and flexible bridging loans catering to residential and commercial property investors with rapid fund release.£75,000–£1,000,000; 10%–15.9% APR; 3–12 months
8TogetherTogether provides flexible and diverse finance solutions tailored to individuals, investors, developers, and businesses across sectors with a focus on property finance.£50,000–£5,000,000; 6.9%–14.5% APR; 6–60 months
9LendInvestLendInvest focuses on creating property investment opportunities with its innovative technology platform, providing bridging, buy-to-let, and development finance.£100,000–£4,000,000; 5.25%–10.25% APR; 3–36 months
10ProppPropp is an online platform that enables property investors to compare bridging finance products and get low-rate financing proactively tailored to their needs.£50,000–£10,000,000; 3.9%–12% APR; 6–60 months
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