Best Lenders to Secure a 100k to 150k 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 2026-01-22.
Funding Agent focuses on providing fast, brokered comparisons for business loans and finance options. It is suitable for UK SMEs needing quick access to unsecured or working capital loans with flexible terms. The platform offers rapid eligibility checks and no collateral requirements, supporting various finance types including MCA Loans.
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
MT Finance provides specialist bridging finance primarily focused on residential and commercial property loans. It suits borrowers seeking flexible repayment plans secured on property assets with competitive rates. The lender offers swift access for loans aimed at property purchase or refinance needs within the UK market.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 0.95%
- Max APR: 0%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Second Charge Bridging
- Industries: Residential, Commercial
Pros
- Competitive rates
- Flexible terms
Cons
- APR may be higher for subprime cases
Funding 365 specialises in bridging and development loans with a focus on speedy approvals and competitive interest. It is suited for property developers and investors needing short-term funding. The provider offers flexible options for property-secured finance with streamlined application processes.
Loan Details
- Min Amount: £0
- Max Amount: £5,000,000
- Min APR: 0.39%
- Max APR: 0.64%
- Loan Duration: Up to 12 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Loans
- Industries: Real Estate
Pros
- Quick funding
- Flexible terms
Cons
- Limited information available publicly
Hampshire Trust Bank focuses on commercial and semi-commercial bridging loans with specialist lending and banking solutions. It is suitable for borrowers seeking competitive rates and portfolio flexibility for larger loan amounts. The bank provides tailored terms and structured repayments for property investment and asset-backed lending.
Loan Details
- Min Amount: £1,000,000
- Max Amount: £15,000,000
- Min APR: 4.99%
- Max APR: 0%
- Loan Duration: 12–36 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Loans
- Industries: Commercial, Residential
Pros
- Specialist solutions
- Portfolio flexibility
Cons
- Higher minimum loan amount
Precise Mortgages offers residential mortgages and bridging finance with a simplified approach. It suits borrowers seeking long-term repayment options and higher loan-to-value ratios on property financing. The lender supports straightforward terms for UK residential property transactions.
Loan Details
- Min Amount: £100,000
- Max Amount: £0
- Min APR: 3.99%
- Max APR: 0%
- Loan Duration: 1–18 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Residential Mortgages
- Industries: Residential
Pros
- High LTV options
- Long repayment terms
Cons
- Limited to specific borrower profiles
Market Financial Solutions provides bespoke bridging and investor loans focused on UK property investors. The provider is known for rapid approvals and flexible lending options tailored to individual needs. It suits those requiring custom solutions with competitive rates and varying loan-to-value ratios.
Loan Details
- Min Amount: £100,000
- Max Amount: £0
- Min APR: 3.99%
- Max APR: 0%
- Loan Duration: Up to 36 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Investor Loans
- Industries: Property Investment
Pros
- Bespoke service
- Rapid approval
Cons
- Rates vary based on loan complexity
Propp is a comparison platform specialising in bridging finance rates from a broad lender network. It suits borrowers looking to compare options across more than 40 providers quickly. The platform offers flexibility in terms and supports a wide range of loan products without direct lending involvement.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0.39%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Finance
Pros
- Extensive lender network
- Competitive comparisons
Cons
- Platform rather than direct lender
MFS (Market Financial Solutions) offers flexible, bespoke property investment loans with a focus on fast approval and tailored terms. It is suitable for investors requiring adaptable repayment schedules and competitive rates. The lender provides options for bridging and other property-related finance products.
Loan Details
- Min Amount: £100,000
- Max Amount: £0
- Min APR: 3.99%
- Max APR: 0%
- Loan Duration: Up to 36 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Property Loans
- Industries: Property
Pros
- Quick approval
- Flexible terms
Cons
- May require higher equity
KIS Finance is a bridging finance provider offering tailored loan solutions with a focus on responsive customer service. It fits borrowers seeking flexible financing for property deals, including short to medium-term loans. The lender serves a range of UK real estate investment needs with customised terms.
Loan Details
- Min Amount: £50,000
- Max Amount: £15,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–36 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate
Pros
- Tailored solutions
- Responsive service
Cons
- Limited APR information available
Brickflow offers detailed bridging loan calculators and access to a wide range of lenders through its platform. It is useful for borrowers seeking to understand financing options and compare cost scenarios across multiple providers. The tool supports informed decisions for property and business financing needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Finance
Pros
- Detailed calculations
- Wide lender access
Cons
- Primarily a comparison tool
How to choose
When seeking a bridging loan between 100k and 150k pounds, focus on lenders who match your specific needs such as loan size, repayment flexibility, and eligibility criteria. Assess whether fast approvals or customised repayment options are priorities for your business or property purchase. Ensure you understand the collateral requirements and typical loan-to-value bands offered. Comparing APR ranges and any associated fees is essential for budgeting. Use broker platforms for wider market access or approach specialists for tailored solutions depending on your circumstances. Always review the lender’s terms carefully to suit your franchise or investment cash flow.
Conclusion
Choosing the right lender for a 100 thousand pounds loan depends on your use case. Banks generally suit those needing structured terms and larger loan amounts. Broker platforms like Funding Agent offer broad market access and quick comparisons. Specialists and direct lenders focus on niche or complex cases requiring bespoke solutions. Consider your priorities including speed, cost, flexibility, and security requirements before selecting your provider.
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