February 12, 2026
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Best Lenders to Secure a 120k Bridging Loan

Best Lenders to Secure a 120k Bridging Loan

Discover the best lenders offering £120,000 bridging loans in the UK. Compare terms, rates, and find easy approval options to secure your loan quickly.
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 120k 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 focuses on delivering fast finance comparisons for UK SMEs through an online broker platform. It is typically suitable for businesses seeking flexible working capital or bridging loans with a straightforward application process. The service offers quick eligibility checks and access to unsecured options without collateral, but terms vary by lender matched.

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. Precise Mortgages

Precise Mortgages specialises in tailored lending across a broad spectrum of borrower needs including bridging and property finance. It suits franchise buyers and property investors who require flexible credit solutions with varied loan-to-value options. Their products often include secured finance with some flexibility on terms and broker access to niche markets.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £3,000,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 6–36 months ⌛

Services & Industries

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

Pros

  • Flexible terms
  • Specialist lending

Cons

  • Higher rates for low-credit borrowers

Sources: Source

3. Together Money

Together Money concentrates on bridging loans and regulated mortgages, mainly catering to property purchase and refinancing needs. It is suitable for borrowers requiring short to medium-term finance secured on property with repayment options and professional underwriting. The provider offers experience-backed solutions with an emphasis on reliability and speed.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,500,000
  • Min APR: 6%
  • Max APR: 14%
  • Loan Duration: 1–18 months ⌛

Services & Industries

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

Pros

  • Extensive lending experience
  • Quick turnarounds

Cons

  • Higher APR for short-term loans

Sources: Source

4. Shawbrook Bank

Shawbrook Bank provides specialist savings and lending services focused on SMEs seeking property-backed bridging finance. It is typically suitable for clients wanting secured loans with tailored advice and structured repayment plans. The bank emphasises flexibility within structured loan terms and expert customer support.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £1,500,000
  • Min APR: 5.5%
  • Max APR: 13.5%
  • Loan Duration: 3–24 months ⌛

Services & Industries

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

Pros

  • Tailored solutions
  • Expert advisors

Cons

  • Complex application process

Sources: Source

5. Octopus Property

Octopus Property focuses on bridging and development finance for property professionals such as developers and landlords. It is best suited for applicants who need quick access to flexible loans secured on property with responsive decision making. Their offerings include short-term bridging options with adaptable lending conditions.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,000,000
  • Min APR: 5.2%
  • Max APR: 12.8%
  • Loan Duration: 1–24 months ⌛

Services & Industries

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

Pros

  • Flexible lending terms
  • Fast decisions

Cons

  • Stringent eligibility criteria

Sources: Source

6. LendInvest

LendInvest operates an online property finance platform offering bridging loans and buy-to-let mortgages for investors. It suits borrowers looking for quick access to secured lending with competitive rates and flexible repayment structures. The platform prioritises speed, customer service, and tech-driven application processes.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £2,500,000
  • Min APR: 4.9%
  • Max APR: 11.9%
  • Loan Duration: 6–18 months ⌛

Services & Industries

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

Pros

  • Innovative online platform
  • Strong customer service

Cons

  • Higher fees for express services

Sources: Source

7. Masthaven Bank

Masthaven Bank provides adaptable bridging and personal loan products designed to cater to personal and business finance needs. It is suitable for clients needing flexible loan terms and tailored lending solutions with moderate loan-to-value options. The bank offers a mix of competitive rates, varying durations, and some broker access.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £3,000,000
  • Min APR: 5.1%
  • Max APR: 13.1%
  • Loan Duration: 3–36 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Personal Loans
  • Industries: Real Estate, SME

Pros

  • Adaptable terms
  • Award-winning service

Cons

  • Limited branch access

Sources: Source

8. MT Finance

MT Finance offers a broad selection of financial products with a focus on bridging and commercial loans, prioritising reliability and efficiency. It is suited for borrowers seeking straightforward secured loans with quick evaluations and no upfront fees. Their approach caters mainly to property and commercial clients demanding pragmatic finance solutions.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 6.5%
  • Max APR: 14.5%
  • Loan Duration: 1–24 months ⌛

Services & Industries

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

Pros

  • No upfront fees
  • Quick evaluations

Cons

  • Limited loan products

Sources: Source

9. Roma Finance

Roma Finance delivers bridging finance solutions aimed at clients needing speed and flexibility across varied property and small business sectors. This lender suits those seeking short-term loans with adaptable terms and a focus on rapid processing. Collateral-backed finance options and tailored lending structures support diverse borrower requirements.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £1,500,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 3–18 months ⌛

Services & Industries

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

Pros

  • Rapid processing
  • Flexible terms

Cons

  • Higher APR for certain cases

Sources: Source

10. Aspen Bridging

Aspen Bridging specialises in short-term finance solutions focused on speed and efficiency for property and development clients. This provider suits borrowers needing rapid funding with flexible yet specialist loan terms. The service emphasises quick decision-making and tailored solutions backed by experienced teams.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £3,000,000
  • Min APR: 5.5%
  • Max APR: 14%
  • Loan Duration: 1–12 months ⌛

Services & Industries

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

Pros

  • Quick funding
  • Specialist team

Cons

  • Higher cost for rapid service

Sources: Source

How to choose

When seeking to secure a bridging loan around £120,000, focus on lenders that match your intended use and security type. Consider if you need fast decision-making or prefer flexible terms and longer durations. Assess eligibility carefully including credit profile and loan-to-value ratios. Factor in repayment structures and whether the lender accepts your collateral type. Comparing fees, penalties, and broker access can identify the best fit for your financial needs and timing requirements. Practical balance between speed, cost, and flexibility is key to successful loan selection.

Conclusion

Matching your finance needs to the right lender type is essential. Banks typically offer structured products suited for traditional borrowers with assets and clear repayment plans. Brokers like Funding Agent can provide fast access to diverse lending options, ideal for those needing broader comparisons. Specialists focus on niche sectors or complex credit profiles with tailored solutions. Understanding these differences helps secure correct funding for a 120 thousand pounds loan, depending on your purpose and security. Always verify terms and current costs directly with providers before applying.

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FAQs

What is a bridging loan?
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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
2Precise MortgagesPrecise Mortgages offers a wide range of specialist lending products designed for borrowers with diverse circumstances.£25,000–£3,000,000; 5%–15% APR; 6–36 months
3Together MoneyTogether Money has been a leading financial services provider, specializing in bridging loans and regulated mortgages for over 40 years.£5,000–£2,500,000; 6%–14% APR; 1–18 months
4Shawbrook BankShawbrook Bank is a UK specialist savings and lending bank offering bridging finance and a range of financial products for SMEs.£50,000–£1,500,000; 5.5%–13.5% APR; 3–24 months
5Octopus PropertyOctopus Property provides property loans for developers and landlords, specializing in quick and flexible bridging finance.£50,000–£2,000,000; 5.2%–12.8% APR; 1–24 months
6LendInvestLendInvest is a UK-based online platform for property finance, offering bridging loans and buy-to-let mortgages.£75,000–£2,500,000; 4.9%–11.9% APR; 6–18 months
7Masthaven BankMasthaven Bank offers a range of adaptable financial products including bridging loans designed to meet personal and business needs.£25,000–£3,000,000; 5.1%–13.1% APR; 3–36 months
8MT FinanceMT Finance offers a broad range of financial products focusing on bridging loans and has a reputation for reliable and efficient service.£10,000–£5,000,000; 6.5%–14.5% APR; 1–24 months
9Roma FinanceRoma Finance provides bridging finance solutions tailored to a diverse range of client needs, focusing on speed and flexibility.£25,000–£1,500,000; 6%–15% APR; 3–18 months
10Aspen BridgingAspen Bridging offers specialist short-term finance solutions with a focus on efficiency and speed.£50,000–£3,000,000; 5.5%–14% APR; 1–12 months
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