January 22, 2026
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Best Lenders to secure a 100k business Bridging Loans

Best Lenders to secure a 100k business Bridging Loans

Discover the best lenders offering £100,000 business bridging loans. Learn about rates, terms, and how to secure quick financing for your business needs.
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 Lenders to secure a 100k business Bridging Loans

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 2026-01-22.

1. Funding Agent

Funding Agent offers a platform to quickly compare various business finance options suited to UK SMEs. This provider is typically suitable for franchise buyers or small businesses seeking flexible and clear funding options. It features a straightforward application process with fast eligibility checks and options that may not require 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

Sources: Funding Agent

2. MT Finance

MT Finance focuses on bridging finance, primarily for property-related deals. It is suited to borrowers requiring short-term finance for property purchase or refinance. The lender typically offers flexible rates with a focus on secured loans backed by property assets.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0.9%
  • Max APR: 2.2%
  • Loan Duration: 3-24 months ⌛

Services & Industries

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

Pros

  • Flexible short-term finance options
  • Competitive rates

Cons

  • Primarily property-focused

Sources: Source Source

3. Funding 365

Funding 365 provides bespoke, unregulated bridging and development loans, typically for property-related projects. It suits borrowers seeking flexible finance options outside standard regulation. The provider offers fast access to funds with a range of loan durations meant for property investment or development financing.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.39%
  • Max APR: 0.64%
  • Loan Duration: 1-60 months ⌛

Services & Industries

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

Pros

  • Quick approval and funding
  • No early repayment fees

Cons

  • Unregulated loans only

Sources: Source Source

4. Market Financial Solutions

Market Financial Solutions specialises in bespoke bridging loans and buy-to-let mortgages tailored for property investors. It is suitable for borrowers needing flexible funding for property acquisition or refinancing. The company offers varied loan terms with options that may include different repayment types and flexible loan-to-value ratios.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £50,000,000
  • Min APR: 3.99%
  • Max APR: 6.4%
  • Loan Duration: 3 months to 10 years ⌛

Services & Industries

  • Finance Types: Bridging Loans, Buy-to-let Mortgages
  • Industries: Real Estate, Property Management

Pros

  • High loan amounts available
  • Flexible terms

Cons

  • Higher rates for larger loans

Sources: Source Source

5. Clifton Private Finance

Clifton Private Finance operates as an independent brokerage offering personalised loans for property and business purposes. It is suited to borrowers who need tailored loan solutions with clear terms. The provider focuses on securing loans for SMEs and property development, with an emphasis on structured repayments and lending criteria.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £25,000,000
  • Min APR: 3.75%
  • Max APR: 12%
  • Loan Duration: 6-120 months ⌛

Services & Industries

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

Pros

  • Tailored finance solutions
  • No early repayment fees

Cons

  • Strict lending criteria

Sources: Source Source

6. Together Money

Together Money provides secured loans and commercial mortgages aimed at both business and personal borrowers. It is suitable for SMEs requiring broad finance solutions secured on property. The lender offers a range of repayment terms with a focus on security and established lending practices.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £5,000,000
  • Min APR: 7.9%
  • Max APR: 13.5%
  • Loan Duration: 1-240 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Commercial Mortgages, Bridging Loans
  • Industries: SMEs, Residential and Commercial Properties

Pros

  • Wide range of finance solutions
  • Established reputation

Cons

  • Higher rates for non-property loans

Sources: Source Source

7. Envelop Finance

Envelop Finance specialises in bridging finance for residential, commercial and land development projects. It is designed for borrowers needing quick, short-term funding across various property sectors. The lender focuses on a streamlined process and loans secured against high-value property assets.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £25,000,000
  • Min APR: 1%
  • Max APR: 3%
  • Loan Duration: 1-24 months ⌛

Services & Industries

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

Pros

  • Quick application process
  • Short loan durations

Cons

  • Limited to high-value loans

Sources: Source

8. Propp.io

Propp.io operates as a comparison platform providing access to multiple bridging finance lenders. It is suitable for borrowers looking to explore various lending options and rates before applying. This approach offers transparency and choice, although Propp.io does not provide direct lending itself.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0.39%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Various

Pros

  • Access to multiple lenders
  • Transparent comparison tool

Cons

  • No direct lending

Sources: Source

9. Brickflow

Brickflow is a digital platform that connects borrowers to a wide network of commercial bridging loan lenders. It is appropriate for businesses seeking streamlined access to multiple lenders with various rates and terms. Brickflow simplifies the sourcing process but does not provide loans directly.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0.39%
  • Max APR: 2.5%
  • Loan Duration: 1-36 months ⌛

Services & Industries

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

Pros

  • Digital platform simplifies process
  • Wide network of lenders

Cons

  • Not a direct lender

Sources: Source

10. KIS Bridging Loans

KIS Bridging Loans provides competitive bridging loan solutions mainly designed for individuals and property investors. It fits borrowers seeking tailored loans for various property transactions. The focus lies on clear terms and competitive rates within short to medium loan durations.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0.9%
  • Max APR: 1.5%
  • Loan Duration: 1-18 months ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Property Investments, Personal Loans

Pros

  • Competitive rates
  • Tailored solutions

Cons

  • Primarily focused on property

Sources: Source

How to choose

Consider your loan amount and ensure the APR matches your financial capacity. Check each provider's eligibility criteria and whether the loan security requirements fit your situation. Assess the speed of funding and if flexibility in terms and repayment options is offered. Also, evaluate whether the lender focuses on bridging finance, secured business loans, or property-backed loans. If you need a 100k business bridging loan, make sure the lender can provide that amount with clear terms. Finally, review fees and early repayment policies before committing.

Conclusion

Different types of providers serve varied needs: specialist bridging lenders often handle property-secured loans, brokers offer wider access to multiple lenders, and banks may provide traditional business loans. Matching the lender type to your business purpose and amount needed is key to securing suitable funding. Funding Agent is a practical option for SMEs who want to compare options quickly and efficiently. Always verify terms and conditions directly with the lender to ensure alignment with your financing needs. Choosing the best lender for a 100 thousand pounds loan depends on your specific business situation and priorities.

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FAQs

What is a business bridging loan?
How can I qualify for a £100k business bridging loan?
What interest rates can I expect on a £100k bridging loan?
How quickly can I receive funds from a bridging loan?
Are there any risks associated with business bridging loans?
Can I use a bridging loan for any business purpose?

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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 an award-winning bridging finance lender in London, offering loans from £50,000 to £10 million, specializing in property finance.£50,000–£10,000,000; 0.9%–2.2% APR; 3-24 months
3Funding 365Funding 365 specializes in bespoke, unregulated loans for up to 5 years, providing fast property finance solutions across the UK.£100,000–£5,000,000; 0.39%–0.64% APR; 1-60 months
4Market Financial SolutionsMarket Financial Solutions provides bespoke bridging loans and buy-to-let mortgages with quick, flexible funding solutions.£100,000–£50,000,000; 3.99%–6.4% APR; 3 months to 10 years
5Clifton Private FinanceClifton Private Finance is a UK-based independent property and business finance brokerage offering personalized loan solutions.£50,000–£25,000,000; 3.75%–12% APR; 6-120 months
6Together MoneyTogether Money offers common-sense lending solutions for both business and personal customers, specializing in secured loans and commercial mortgages.£5,000–£5,000,000; 7.9%–13.5% APR; 1-240 months
7Envelop FinanceEnvelop Finance provides bridging finance for residential, commercial, and land projects with loan amounts from £100k to £25 million+.£100,000–£25,000,000; 1%–3% APR; 1-24 months
8Propp.ioPropp.io offers a comparison platform for bridging finance, allowing access to over 40 lenders with rates from 0.39%.£0–£0; 0.39%–0% APR; Varies
9BrickflowBrickflow is a digital platform that simplifies the process of sourcing commercial bridging loans from over 50 lenders in the UK.£50,000–£5,000,000; 0.39%–2.5% APR; 1-36 months
10KIS Bridging LoansKIS Bridging Loans provides competitive bridging loans tailored for individuals and investors, offering solutions for a range of property transactions.£50,000–£10,000,000; 0.9%–1.5% APR; 1-18 months
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