Best Lenders to Secure a 140k 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 2026-01-23.

1. Funding Agent

Funding Agent focuses on helping UK SMEs quickly access a variety of unsecured business finance options. It suits franchise buyers and small businesses seeking working capital with minimal collateral. The provider offers a fast application process with quick eligibility checks to match suitable loan products.

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 provides specialist bridging and commercial finance for residential and commercial property projects. It is suitable for franchise buyers and property investors needing secured finance with competitive rates. The lender offers a range of options with longer loan terms and varied collateral requirements.

Loan Details

• Min Amount: £100,000
• Max Amount: £250,000,000
• Min APR: 6.35%
• Max APR: 0%
• Loan Duration: 3 to 30 years ⌛

Services & Industries

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

Pros

• Competitive rates
• Extensive facilities

Cons

• Potential high rates for smaller loans

Sources: Source

3. MT Finance

MT Finance focuses on fast and flexible bridging finance primarily for real estate transactions. It suits borrowers looking for short-term loans with straightforward terms and no upfront interest charges. MT Finance aims to assist franchise buyers and property investors with quick access to funds.

Loan Details

• Min Amount: £50,000
• Max Amount: £10,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 3 to 24 months ⌛

Services & Industries

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

Pros

• Fast approvals
• Flexible terms

Cons

• Short durations

Sources: Source

4. Funding 365

Funding 365 specialises in bridging and development loans for a variety of credit profiles, offering flexible repayment options. It is suited to property owners and developers needing adaptable finance solutions. The provider offers competitive monthly rates with freedom on loan terms.

Loan Details

• Min Amount: £0
• Max Amount: £5,000,000
• Min APR: 0.39%
• Max APR: 0%
• Loan Duration: Variable ⌛

Services & Industries

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

Pros

• Low starting rates
• Flexible for various credit profiles

Cons

• High maximum rates possible

Sources: Source

5. Fluent Money

Fluent Money operates as a loan broker facilitating access to secured loans and bridging finance. It is suitable for franchise buyers who prefer personalised advice and lender diversity. Fluent Money helps clients explore tailored options within a wide lender network.

Loan Details

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

Services & Industries

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

Pros

• Personalized advice
• Extensive lender network

Cons

• Potential for high broker fees

Sources: Source

6. Clifton Private Finance

Clifton Private Finance offers bespoke loans focusing on real estate investments and business financing needs. It serves franchise buyers or investors requiring tailored products with a range of security options. The provider emphasises customised solutions suitable for complex financing cases.

Loan Details

• Min Amount: £50,000
• Max Amount: £0
• Min APR: 7%
• Max APR: 20%
• Loan Duration: Unknown ⌛

Services & Industries

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

Pros

• Bespoke solutions
• Comprehensive service

Cons

• Higher APR for unsecured options

Sources: Source

7. Precise Mortgages

Precise Mortgages specialises in residential mortgages and bridging finance with options for higher loan-to-value lending. This provider is suitable for clients seeking short-term property finance with competitive rates. It offers flexibility for borrowers needing specialist mortgage products and bridging options.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 4.48%
• Max APR: 0%
• Loan Duration: 1 to 18 months ⌛

Services & Industries

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

Pros

• Specialist options
• High LTVs available

Cons

• Higher entry rates

Sources: Source

8. Belgravia Property Finance

Belgravia Property Finance provides tailored commercial real estate finance characterised by competitive starting rates. It is geared towards franchise buyers and commercial property investors requiring bespoke lending solutions. The lender supports flexible structuring for a range of commercial projects.

Loan Details

• Min Amount: £5,000,000
• Max Amount: £150,000,000
• Min APR: 3.24%
• Max APR: 0%
• Loan Duration: Unknown ⌛

Services & Industries

• Finance Types: Commercial Mortgages, Development Finance
• Industries: Commercial Real Estate

Pros

• Competitive rates
• Tailored solutions

Cons

• High entry thresholds

Sources: Source

9. Vibe Finance

Vibe Finance delivers a consumer-centric approach to bridging and commercial finance, focusing on flexible lending solutions. It fits franchise buyers and property investors needing access to second charge loans or commercial mortgages. The lender emphasises customer service and tailored loan terms.

Loan Details

• Min Amount: £25,000
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown ⌛

Services & Industries

• Finance Types: Commercial Mortgages, Second Charge Loans
• Industries: Buy to Let, Commercial

Pros

• Unique customer focus
• Flexible terms

Cons

• Limited loan information publicly available

Sources: Source

10. GoCompare Bridging Loans

GoCompare Bridging Loans offers a broad comparison platform for bridging loans, helping borrowers review multiple lenders. It suits franchise buyers and property investors looking for a wide overview of options. The service emphasises transparency and lender diversity for informed decision-making.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0.5%
• Max APR: 2%
• Loan Duration: Variable ⌛

Services & Industries

• Finance Types: Bridging Loans
• Industries: Financial Comparison

Pros

• Wide lender network
• Transparent comparisons

Cons

• Dependent on available lender partnerships

Sources: Source

How to choose

When securing a bridging loan around £140,000, focus on loan size, APR, and term alignment with your financial plans. Check lender eligibility criteria, including credit requirements and security demands. Balance application speed against the flexibility of repayment structures and loan duration. Understand fees, early repayment options, and how loan terms match your franchise’s cash flow. Consider whether you prefer a direct lender or broker for broader access. Compare multiple providers to find the best fit for your borrowing needs.

Conclusion

Selecting the right provider depends on your loan purpose and borrower profile. Banks typically offer structured loans for established borrowers, while brokers can provide access to diverse lenders and tailored advice. Specialist lenders may better support unique property or business financing needs. Funding Agent is a strong choice for SMEs seeking quick comparisons across multiple options. Carefully assess your requirements to choose the best lender for a 140 thousand pounds loan.