Best Lenders to Secure a 100k Bridging Loan
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 2026-02-12.
Funding Agent offers a platform focused on business finance comparison for UK SMEs. It is suited for those seeking unsecured and working capital loans with a straightforward application process and quick eligibility checks. The provider emphasises fast access with flexibility on loan types and terms, without requiring collateral.
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
Shawbrook Bank specialises in property and business finance products, including bridging and commercial mortgages. It suits franchise buyers and property investors needing flexible secured finance with competitive rates. The bank provides options with varied loan-to-value bands and repayment approaches through direct and broker channels.
Loan Details
- Min Amount: £50,000
- Max Amount: £250,000
- Min APR: 4.1%
- Max APR: 8.5%
- Loan Duration: 1-24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Mortgages
- Industries: Property Development, Commercial Real Estate
Pros
- Competitive rates
- Strong reputation
Cons
- High minimum loan amount
- Not for personal loans
LendInvest primarily offers short-term property finance, including bridging loans aimed at property investors. It is generally suitable for franchise buyers and property professionals seeking swift decision-making and tech-enabled platforms. Their products typically feature defined loan durations and may require security against the underlying asset.
Loan Details
- Min Amount: £75,000
- Max Amount: £200,000
- Min APR: 5%
- Max APR: 10%
- Loan Duration: 3-18 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Loans
- Industries: Property Investment, Real Estate
Pros
- Tech-driven platform
- Fast approval
Cons
- Short loan terms
- Limited to property
Precise Mortgages provides bespoke bridging and buy-to-let loans tailored for UK property clients. Suitable for franchisees and property owners, their offerings include flexible lending criteria and longer loan durations. They typically require security via property with options for buy-to-let scenarios.
Loan Details
- Min Amount: £25,000
- Max Amount: £1,000,000
- Min APR: 4.5%
- Max APR: 9%
- Loan Duration: 12-24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Buy-to-Let Mortgages
- Industries: Real Estate
Pros
- Flexible criteria
- Wide loan range
Cons
- Strict eligibility checks
- Focused on property loans
Octopus Property delivers innovative bridging and commercial property finance solutions across the UK. It suits borrowers involved in property development or refinancing requiring flexibility in repayment and loan structure. Their products often focus on bridging finance secured against real estate assets.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 6%
- Max APR: 9%
- Loan Duration: 1-36 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Finance
- Industries: Property Development
Pros
- Innovative products
- Reputable firm
Cons
- Higher APR rates
- Focus on property
United Trust Bank specialises in short-term property lending solutions, including bridging loans for property investors and developers. It is suitable for borrowers seeking competitive rates and flexible loan terms secured on property assets. Their offerings include varied loan durations and typically require collateral.
Loan Details
- Min Amount: £10,000
- Max Amount: £750,000
- Min APR: 3.9%
- Max APR: 8.1%
- Loan Duration: 3-24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Mortgage Lending
- Industries: Real Estate, Construction
Pros
- Competitive APR
- Flexible loan terms
Cons
- High demand
- Specific lending criteria
Roma Finance focuses on bridging loans and short-term property finance with custom solutions tailored to UK clients. It is ideal for property investors and franchise buyers needing quick decisions and personalised loan structuring. Security is usually taken on property, with flexible repayment options available.
Loan Details
- Min Amount: £20,000
- Max Amount: £300,000
- Min APR: 5.5%
- Max APR: 12%
- Loan Duration: 6-12 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Auction Loans
- Industries: Property Investment
Pros
- Fast processing
- Tailor-made solutions
Cons
- High APR
- Limited loan size
Alternative Bridging Corporation delivers bespoke bridging finance designed for a range of property financing needs across the UK. This provider suits those requiring flexibility in loan structure and expert broker access. Loans are generally secured with property and involve tailored terms depending on borrower circumstances.
Loan Details
- Min Amount: £50,000
- Max Amount: £1,000,000
- Min APR: 7%
- Max APR: 11%
- Loan Duration: 1-18 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Property Finance
Pros
- Bespoke solutions
- Expert lenders
Masthaven Bank provides retail and commercial financial products with a focus on short-term lending solutions. It is suited for franchise operators and real estate investors who value flexibility and a broad portfolio of bridging and mortgage products. Security is typically taken on property assets with options for specialist loans.
Loan Details
- Min Amount: £30,000
- Max Amount: £500,000
- Min APR: 6.5%
- Max APR: 14%
- Loan Duration: 3-24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Specialist Mortgages
- Industries: Real Estate, Commercial
Pros
- Flexible lending
- Wide product range
Cons
- Higher APR
- Limited to short terms
Avamore Capital specialises in tailored financial solutions for property developers and investors, focusing on bridging and mezzanine finance. It is suited for borrowers needing flexible loan structures and bespoke repayment options. Their services mainly cater to development projects secured on property assets.
Loan Details
- Min Amount: £100,000
- Max Amount: £500,000
- Min APR: 5.5%
- Max APR: 10.5%
- Loan Duration: 6-24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Mezzanine Finance
- Industries: Real Estate Development
Pros
- Tailored solutions
- Strong market presence
Cons
- Higher starting loan
- Property focus
How to choose
When selecting the best lender to secure a 100k bridging loan, carefully assess loan size and APR in relation to your financial capacity. Understand eligibility criteria and consider the trade-off between speed and lending flexibility. Evaluate repayment structures and how they align with your franchise cash flow and seasonal variations. Review lender fees, loan-to-value ranges, and options for early repayment. It is important to verify the lender's terms and conditions, ensuring they suit your specific property or business needs before proceeding with application.
Conclusion
Choosing the right lender for a 100 thousand pounds loan requires matching provider type to your purpose. Banks often offer competitive rates and security-backed loans for established borrowers. Brokers and specialist lenders can provide access to bespoke or flexible bridging finance tailored to particular property transactions or development needs. Funding Agent remains a practical option for SMEs looking to quickly compare multiple finance solutions. Always confirm current terms and fit to ensure the loan aligns with your financial plan.