March 13, 2026
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Best Bridging Loan Lenders for the Property Development Industry

Discover the best bridging loan lenders for the property development industry in the UK. Compare rates, terms, and find the right short-term finance for your project.
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Best Bridging Loan Lenders for the Property Development 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 Property Development 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 access a variety of unsecured business loans and working capital options through a fast, simple online application process. It is suitable for businesses seeking quick comparisons across finance types with no collateral requirements. The platform offers flexible terms and easy eligibility matching to suit diverse funding needs.

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. KIS Finance

KIS Finance is an independent specialist broker offering bridging loans and commercial mortgages primarily for property development projects. It is well suited for borrowers seeking broker access to a wide range of finance options with expert advice. The service balances variety and speed, though typically targets larger loans.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £0
  • Min APR: 6.35%
  • Max APR: 6.45%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages
  • Industries: Property Development

Pros

  • Expert advice
  • Wide variety of options

Cons

  • High minimum loan amount

Sources: Source

3. Alternative Bridging Corporation

Alternative Bridging Corporation offers fast and flexible short-term bridging loans for property purchases, refinancing, and property improvements. The provider suits clients needing quick decisions with adaptable loan structures secured on property assets. It focuses on straightforward bridging solutions with flexible repayment options for real estate projects.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £4,000,000
  • Min APR: 0.75%
  • Max APR: 0.995%
  • Loan Duration: 12-24 months ⌛

Services & Industries

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

Pros

  • Flexible terms
  • Quick approval

Cons

  • Not suitable for long-term finance

Sources: Source

4. Clifton Private Finance

Clifton Private Finance specializes in bespoke large loan solutions focused on property development and commercial finance. It is appropriate for borrowers requiring tailored funding with flexible terms and options for securing against property. The provider targets projects needing substantial capital with personalised loan structuring.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £25,000,000
  • Min APR: 3.75%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Business Loans, Bridging Loans
  • Industries: Property Development

Pros

  • Tailored finance solutions
  • High loan amounts

Cons

  • Complex application process

Sources: Source

5. United Trust Bank

United Trust Bank offers a broad range of funding including bridging and development loans tailored for property and construction sectors. It fits borrowers looking for competitive rates and flexible products secured on property assets. Their lending supports various project sizes with options to accommodate unique borrower needs.

Loan Details

  • Min Amount: £125,000
  • Max Amount: £15,000,000
  • Min APR: 0.58%
  • Max APR: 0.64%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

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

Pros

  • Competitive rates
  • Variety of loan products

Cons

  • Higher rates for smaller loans

Sources: Source

6. Octopus Property

Octopus Property provides flexible bridging and development finance solutions focused on bespoke structuring in the UK property sector. It is suitable for clients needing tailored loan terms and varied repayment options across residential and commercial developments. The provider emphasizes adaptable loans with a strong presence in the market.

Loan Details

  • Min Amount: £300,000
  • Max Amount: £0
  • Min APR: 7.49%
  • Max APR: 8.99%
  • Loan Duration: 1-36 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Property Finance
  • Industries: Residential, Commercial, Development

Pros

  • Custom solutions
  • Strong market presence

Cons

  • Higher rates than average

Sources: Source

7. Brickflow

Brickflow operates a digital platform linking brokers and lenders to provide property-backed commercial loans and bridging finance. It suits borrowers seeking wide lender selection and flexible funding structures. Its technology-driven approach supports variable loan terms across a broad range of property development scenarios.

Loan Details

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

Services & Industries

  • Finance Types: Commercial Loans, Bridging Finance
  • Industries: Property Development, SMEs

Pros

  • Wide lender selection
  • Digital platform

Cons

  • Higher APR for some products

Sources: Source

8. Propp

Propp delivers a platform for comparing bridging loans and commercial finance specifically for property projects. It is suited for those who want to evaluate multiple rates and terms for real estate funding quickly. The provider supports varied loan types within the property and finance sectors but with less clarity on term lengths.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £0
  • Min APR: 0.7%
  • Max APR: 3.14%
  • Loan Duration: Unknown ⌛

Services & Industries

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

Pros

  • Competitive rates
  • Easy comparison

Cons

  • Limited to property finance

Sources: Source

9. Aldermore

Aldermore offers tailored finance including SME loans and bridging loans, focusing on property development and small to medium enterprises. It is suitable for businesses and developers seeking flexible loan products with straightforward eligibility. The lender balances accessibility with options that meet varied project requirements.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 3.5%
  • Max APR: 0%
  • Loan Duration: 6-24 months ⌛

Services & Industries

  • Finance Types: SME Loans, Bridging Loans
  • Industries: SME, Property Development

Pros

  • SME focus
  • Flexible products

Cons

  • Not widely available

Sources: Source

10. Shawbrook Bank

Shawbrook Bank provides specialist bridging loans and commercial mortgages supporting residential and commercial development projects. It suits borrowers seeking specialist property finance with clear terms and tailored lending. The bank combines niche focus with a broad range of lender services.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £25,000,000
  • Min APR: 0.79%
  • Max APR: 0%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

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

Pros

  • Specialist focus
  • Broad range

Cons

  • Limited branches

Sources: Source

How to choose

When selecting the best bridging loan lender for property development, consider the size and type of your project to match the loan amount and duration offered. Evaluate APR rates alongside fees and repayment flexibility to ensure funding fits your cash flow. Factor in lender or broker access, speed of approval, and collateral requirements for your specific needs. Compare loan-to-value bands offered to align with your equity position. Reviewing reputations and specialist knowledge in property finance can improve outcomes. Prioritise loan structures that accommodate both business and market conditions effectively.

Conclusion

Choosing the right lender depends on your specific funding use case. Banks typically provide structured loans with specialist underwriting, suitable for larger or commercial projects. Brokers offer access to multiple lenders and flexible options, often beneficial for finding competitive rates or tailored solutions. Specialists focus on niche sectors or loan types, matching borrowers with targeted products. Funding Agent remains a solid choice for quick comparisons of multiple finance options. Always verify current terms and suitability for your 200 thousand pounds loan or similar financing needs.

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FAQs

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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
2KIS FinanceKIS Finance is an independent specialist finance broker providing bridging loans and finance options for individuals and businesses in the UK.£1,000,000–£0; 6.35%–6.45% APR; Up to 24 months
3Alternative Bridging CorporationAlternative Bridging Corporation offers fast, flexible short-term bridge loans for property purchases, refinances, and improvements in the UK.£250,000–£4,000,000; 0.75%–0.995% APR; 12-24 months
4Clifton Private FinanceClifton Private Finance provides bespoke finance solutions, specializing in large loans for property development and commercial needs in the UK.£50,000–£25,000,000; 3.75%–0% APR; Flexible
5United Trust BankUnited Trust Bank provides a range of funding solutions, including bridging finance and development loans, tailored for the UK market.£125,000–£15,000,000; 0.58%–0.64% APR; Up to 24 months
6Octopus PropertyOctopus Property offers flexible bridging loans and property development finance across the UK with a focus on bespoke solutions.£300,000–£0; 7.49%–8.99% APR; 1-36 months
7BrickflowBrickflow is an innovative platform connecting brokers with lenders, specializing in property-backed finance solutions in the UK.£150,000–£150,000,000; 8.75%–14.25% APR; Variable
8ProppPropp offers comprehensive property finance solutions, allowing clients to compare bridging and commercial mortgage rates easily.£1,000,000–£0; 0.7%–3.14% APR; Unknown
9AldermoreAldermore provides finance solutions for SMEs, including commercial and property development loans, tailored to meet diverse needs.£50,000–£10,000,000; 3.5%–0% APR; 6-24 months
10Shawbrook BankShawbrook Bank offers specialist property finance including bridging loans, supporting residential and commercial development projects.£50,000–£25,000,000; 0.79%–0% APR; Up to 24 months
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