Best Lenders to Secure a 130k Bridging Loan
.png)
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 2026-01-23.
1. Funding Agent
Funding Agent focuses on providing UK SMEs with fast, brokered access to a range of unsecured business finance options. It is suitable for franchise buyers and small businesses needing working capital without collateral requirements. The platform emphasises quick eligibility checks, simple applications, and flexible repayment approaches.
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. KIS Finance
KIS Finance operates as an independent broker specialising in large-scale bridging and commercial mortgage loans. This service suits clients seeking high-value loans with broker access and no brokerage fees. It offers flexibility in term length and repayment types for property-related purchases or refinancing.
Loan Details
- Min Amount: £100,000
- Max Amount: £1,000,000,000
- Min APR: 6.45%
- Max APR: 6.35%
- Loan Duration: 3–30 years ⌛
Services & Industries
- Finance Types: Bridging loans, Commercial mortgages
- Industries: Financial services
Pros
- Fast funding
- Flexible plans
Cons
- Variable interest rates
Sources: Source
3. MT Finance
MT Finance is a lender focused on bridging finance for residential, commercial, and mixed-use property projects. It typically serves borrowers needing short-term funding with flexible repayment schedules and minimal upfront rates. The lender offers straightforward terms suited to projects within varied property sectors.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Bridging loans, Development loans
- Industries: Real Estate, Finance
Pros
- Fast approvals
- Custom repayment plans
Cons
- Limited term options
Sources: Source
4. Funding 365
Funding 365 provides business loans with flexible repayment structures linked to future debit and credit card transactions. It is well-suited for franchisees and SMEs seeking adaptable funding without fixed loan durations. The lender offers repayment terms that adjust with cash flow rather than fixed schedules.
Loan Details
- Min Amount: £0
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Business loans
- Industries: Finance
Pros
- No fixed terms
- Flexible repayments
Cons
- APR not disclosed
Sources: Source
5. Precise Mortgages
Precise Mortgages provides residential and bridging finance with an emphasis on high loan-to-value mortgages. It typically serves borrowers who need straightforward mortgage solutions with flexible term options and is suitable for property purchase and refinance. The provider focuses on simpler lending criteria and tailored repayment terms.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–18 months ⌛
Services & Industries
- Finance Types: Residential mortgages, Bridging finance
- Industries: Mortgage lending
Pros
- High LTVs
- Flexible terms
Cons
- Limited loan products
Sources: Source
6. MFS UK
MFS UK is a bridging finance specialist providing flexible, project-tailored loans primarily for real estate investment purposes. Their offerings focus on competitive rates and customizable loan options for borrowers needing fast and adaptable finance. They typically cater to clients requiring short to medium-term funding with varied security arrangements.
Loan Details
- Min Amount: £50,000
- Max Amount: £20,000,000
- Min APR: 0.75%
- Max APR: 0%
- Loan Duration: Short to medium term ⌛
Services & Industries
- Finance Types: Bridging loans, Investment finance
- Industries: Real Estate investment
Pros
- Customizable loans
- Competitive rates
Cons
- Exclusive to specific property criteria
Sources: Source
7. Blue Square Capital
Blue Square Capital focuses on bridging loans with quick approval processes and monthly interest rates. It suits borrowers looking for predictable monthly repayments and shorter-term financing. Their services target clients requiring efficient access to finance with some flexibility in loan structuring.
Loan Details
- Min Amount: £250,000
- Max Amount: £3,000,000
- Min APR: 6%
- Max APR: 24%
- Loan Duration: Up to 15 months ⌛
Services & Industries
- Finance Types: Bridging loans
- Industries: Finance
Pros
- Competitive rates
- Prompt service
Cons
- Limited term flexibility
Sources: Source
8. Clifton Private Finance
Clifton Private Finance specialises in property and business finance solutions including bridging and asset finance. It caters to borrowers seeking varied lending options with competitive rates and flexible security terms. This provider is suitable for diverse finance needs in real estate and business sectors requiring adaptable funding durations.
Loan Details
- Min Amount: £50,000
- Max Amount: £0
- Min APR: 6.87%
- Max APR: 15.04%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging loans, Asset finance
- Industries: Finance, Real Estate
Pros
- Diverse loan options
- Competitive base rates
Cons
- Higher APR for unsecured loans
Sources: Source
9. Brickflow
Brickflow offers a digital platform for comparing and accessing development loans including commercial, residential, and mixed-use projects. It is designed for borrowers seeking transparency and broad lender access. The service facilitates comparison of loan options with different terms and fees, supporting informed decisions.
Loan Details
- Min Amount: £150,000
- Max Amount: £150,000,000
- Min APR: 11.5%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging loans, Development loans
- Industries: Real Estate, Finance
Pros
- Wide lender access
- Transparent fees
Cons
- High average APR
Sources: Source
10. GoCompare
GoCompare is a comparison service providing access to various financial products including business loans and insurance. It suits borrowers seeking broad product comparisons to identify suitable lending options. The platform supports decision-making across multiple sectors with flexible and variable loan terms.
Loan Details
- Min Amount: £10,000
- Max Amount: £5,000,000
- Min APR: 6%
- Max APR: 20%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Comparison service
- Industries: Finance
Pros
- Comprehensive comparisons
- Wide range of products
Cons
- Dependent on lenders for loans
Sources: Source
How to choose
When selecting the best lender for a 130k bridging loan, consider your specific finance needs and project timelines. Verify lender eligibility and suitability for franchise purchases or property refinance. Compare APRs and loan terms while assessing repayment flexibility and collateral requirements. Balance speed of access with long-term cost and loan structure. Reviewing early repayment fees and broker services can improve fit. Always confirm up-to-date terms before applying.
Conclusion
Choosing the right lender depends on whether you need broker access, specialist finance, or broader bank products. Brokers like Funding Agent offer quick comparisons for SMEs, while specialist lenders suit higher value or complex property needs. Consider the security and flexibility each provider demands. Funding Agent remains a useful starting point for fast business loan comparisons. Match provider type to purpose for best outcomes on bridging loans around 130 thousand pounds.
