February 12, 2026
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Best Lenders to Secure a 110k Bridging Loan

Best Lenders to Secure a 110k Bridging Loan

Discover the best lenders to secure a £110,000 bridging loan in the UK. Learn about rates, terms, and how to choose the right lender for your needs.
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 Lenders to Secure a 110k 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.

1. Funding Agent

Funding Agent provides a platform for UK SMEs to compare business finance options including bridging loans. It is suitable for franchise buyers and operators looking for straightforward, quick access to finance. The provider offers flexible options with a focus on simple application, speed, and eligibility matching 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

Sources: Funding Agent

2. Octopus Property

Octopus Property specialises in bridging and development loans, primarily for residential and commercial property projects. It is suited for borrowers needing flexible, tailored finance solutions for property purchase or refinance. The lender emphasises bespoke lending, speed, and adaptable terms to match diverse property financing needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,500,000
  • Min APR: 5%
  • Max APR: 14%
  • Loan Duration: 3–18 months ⌛

Services & Industries

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

Pros

  • Experienced team
  • Tailored solutions

Cons

  • Limited to property projects

Sources: Source

3. LendInvest

LendInvest focuses on tech-driven property finance including bridging for buy-to-let and development projects. This lender fits borrowers who need fast, technology-enabled access to property loans with flexible options. It offers various repayment and loan structures aimed at property purchase or refurbishment.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £1,500,000
  • Min APR: 6.5%
  • Max APR: 15%
  • Loan Duration: 3–24 months ⌛

Services & Industries

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

Pros

  • Technology-driven
  • Variety of loans

Cons

  • Minimum loan amount high

Sources: Source

4. Shawbrook Bank

Shawbrook Bank is a specialist lender offering tailored bridging loans and commercial mortgages for both residential and commercial borrowers. It is suited for franchise buyers and operators needing a bank with diverse financial products. Shawbrook facilitates flexible loan structures with consideration for asset security and longer terms.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,500,000
  • Min APR: 5.5%
  • Max APR: 13.5%
  • Loan Duration: 1–36 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages
  • Industries: Banking, Finance

Pros

  • Tailored solutions
  • Wide range of products

Cons

  • Complex application process

Sources: Source

5. MT Finance

MT Finance focuses on competitive short-term bridging and property loans for individuals and companies. It suits borrowers who need flexible financing with quick decisions and minimal exit fees. MT Finance offers adaptable loan terms with various repayment options tailored to borrower needs.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 4.25%
  • Max APR: 13%
  • Loan Duration: 1–24 months ⌛

Services & Industries

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

Pros

  • No exit fees
  • Quick turnaround

Cons

  • Higher rates for longer terms

Sources: Source

6. Together Money

Together Money provides a range of bridging and commercial finance options with flexible criteria and high maximum loan amounts. It suits UK SMEs and property investors seeking short-term finance with adaptable lending terms. The lender is known for its speed and willingness to support varied borrower profiles.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £50,000,000
  • Min APR: 5.99%
  • Max APR: 17%
  • Loan Duration: 1–12 months ⌛

Services & Industries

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

Pros

  • Flexibility
  • High maximum loan

Cons

  • Short maximum term

Sources: Source

7. Precise Mortgages

Precise Mortgages offers tailored bridging and buy-to-let mortgage products aimed at both residential and commercial projects. It is suited for borrowers needing specialist lending with competitive rates and clear terms. The provider focuses on structured loans often secured on property assets.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £3,000,000
  • Min APR: 5.5%
  • Max APR: 16%
  • Loan Duration: 1–18 months ⌛

Services & Industries

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

Pros

  • Specialist lending
  • Competitive rates

Cons

  • Strict lending criteria

Sources: Source

8. United Trust Bank

United Trust Bank is an established UK bank providing a range of financial products including bridging finance and development funding. It is suitable for borrowers needing secure, larger loan facilities with comprehensive service options. United Trust Bank focuses on reliability and flexible loan terms backed by asset security.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £3,500,000
  • Min APR: 5%
  • Max APR: 14%
  • Loan Duration: 1–24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Development Funding
  • Industries: Banking, Real Estate

Pros

  • Established bank
  • Comprehensive offerings

Cons

  • More suited for larger deals

Sources: Source

9. Aspen Bridging

Aspen Bridging specialises in short-term bridging loans designed to provide fast funding with an emphasis on speed and investor-focused solutions. It serves developers and property investors requiring quick access to finance. The lender offers flexible loan structures with consideration for efficient processing and high short-term rates.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £3,000,000
  • Min APR: 6.2%
  • Max APR: 16%
  • Loan Duration: 1–24 months ⌛

Services & Industries

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

Pros

  • Fast service
  • Investor focus

Cons

  • High short-term rates

Sources: Source

10. Market Financial Solutions

Market Financial Solutions offers bridging loans with fast decisions and flexible lending criteria to accommodate different borrower needs. It caters to property buyers, developers, and investors looking for quick funding solutions. The lender is noted for supporting prompt property transactions across various loan sizes.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 5.4%
  • Max APR: 14.5%
  • Loan Duration: 1–36 months ⌛

Services & Industries

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

Pros

  • Flexible lending criteria
  • Large loans available

Cons

  • High entry threshold

Sources: Source

How to choose

When securing a 110k bridging loan, consider the lender’s speed, flexibility, and terms to fit your franchise needs. Match the loan size and APR to your budget and check eligibility criteria carefully. Assess whether the loan is secured on property and understand the repayment options offered. Balance quick access to funds against the desired loan duration and flexibility. Consulting with brokers or lenders familiar with franchise financing can help. Always review fees, early repayment conditions, and loan-to-value bands before applying.

Conclusion

Choosing the right lender depends on your specific use case. Banks are suitable for borrowers seeking established products with comprehensive services. Specialist lenders often provide tailored bridging solutions with flexible criteria and faster decisions. Brokers and platforms such as Funding Agent facilitate access by comparing multiple options quickly. Assess each provider’s strengths against your financing needs, loan amount, and desired terms. Ensure to verify all costs and conditions before commitment.

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FAQs

What is a bridging loan?
How can I secure a £110k bridging loan?
Which lenders offer the best bridging loan rates in the UK?
What are typical interest rates for a £110k bridging loan?
What are the usual terms for 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
2Octopus PropertyOctopus Property provides flexible and bespoke lending solutions across the UK, focusing on both residential and commercial properties.£50,000–£2,500,000; 5%–14% APR; 3–18 months
3LendInvestLendInvest is a tech-driven investment platform offering property finance in the UK, including buy-to-let, development, and bridging finance to borrowers.£75,000–£1,500,000; 6.5%–15% APR; 3–24 months
4Shawbrook BankShawbrook Bank offers a diverse range of financial products, including tailored bridging loans catered to both residential and commercial borrowers.£25,000–£2,500,000; 5.5%–13.5% APR; 1–36 months
5MT FinanceMT Finance is renowned for its competitive short-term financing solutions, offering both individuals and companies flexible bridging loans.£100,000–£5,000,000; 4.25%–13% APR; 1–24 months
6Together MoneyTogether Money is a specialist lender providing a variety of financing options, known for its flexible criteria and substantial bridging finance options.£10,000–£50,000,000; 5.99%–17% APR; 1–12 months
7Precise MortgagesPrecise Mortgages offers a variety of lending products including tailored bridging loans designed to help both residential and commercial projects.£25,000–£3,000,000; 5.5%–16% APR; 1–18 months
8United Trust BankUnited Trust Bank is a well-established UK bank offering a suite of financial solutions among which bridging finance is a popular choice.£50,000–£3,500,000; 5%–14% APR; 1–24 months
9Aspen BridgingAspen Bridging focuses on providing short-term loan solutions with speed and efficiency, ideal for developers and property investors.£50,000–£3,000,000; 6.2%–16% APR; 1–24 months
10Market Financial SolutionsMFS offers quick bridging loans with flexible criteria to fit a range of financial situations, supporting fast property transactions.£100,000–£10,000,000; 5.4%–14.5% APR; 1–36 months
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