January 23, 2026
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Best Lenders to Secure a 150k Bridging Loan

Best Lenders to Secure a 150k Bridging Loan

Discover top UK lenders offering £150,000 bridging loans. Learn about rates, terms, and how to secure quick funding for your property projects.
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.

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.

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
2MT FinanceMT Finance is an award-winning Bridging Finance lender in London, offering loans quickly and with utmost flexibility, specialising in residential and commercial bridging finance.£50,000–£10,000,000; 6%–24% APR; 3-24 months
3Hampshire Trust BankHampshire Trust Bank provides specialist financial services, offering competitive rates for high-value transactions, including both residential and commercial property finance.£50,000–£5,000,000; 5.89%–0% APR; 1-5 years
4Funding 365Funding 365 offers fast financing solutions with no fixed terms, hidden APR fees, or traditional costs, tailored towards business and property investments.£5,000–£500,000; 0%–0% APR; Flexible, based on cash flow
5KIS FinanceKIS Finance are expert independent finance brokers specializing in bridging loans, offering tailored financial solutions with competitive interest rates.£0–£0; 0.49%–0% APR; 1-24 months
6Fluent MoneyFluent Money is the UK's leading secured loans broker, helping clients secure bridging finance and other loan products through a wide network of lenders.£10,000–£500,000; 0%–0% APR; Flexible
7The Loans EngineThe Loans Engine is a specialist finance broker that offers a wide range of personalised financial solutions, focusing on secured and commercial loans.£30,000–£1,000,000; 4.9%–14.9% APR; 1-25 years
8Belgravia Property FinanceBelgravia Property Finance offers bespoke property finance solutions for commercial and residential projects, emphasising flexibility and cost-effectiveness.£5,000,000–£150,000,000; 3.24%–0% APR; 2-10 years
9Vibe FinanceVibe Finance is a multi-award-winning mortgage brokerage, providing tailored financial solutions for both commercial and residential property investments.£200,000–£5,000,000; 4.7%–8.2% APR; 2-25 years
10Shawbrook BankShawbrook Bank is a specialist lending and savings bank, offering tailored financial solutions with a focus on SME and property market clients, including bridging loans.£25,000–£350,000; 14.1%–0% APR; 1-5 years

1. Funding Agent

Funding Agent focuses on helping UK SMEs quickly compare a variety of business finance options. It is suitable for franchise buyers and operators seeking straightforward terms and fast eligibility checks. The platform offers a simple application process with no collateral required and flexible loan durations, catering to diverse funding needs.

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. MT Finance

MT Finance concentrates on bridging and commercial finance with an emphasis on quick lending and flexibility. It suits property developers and buyers needing both residential and commercial bridging finance. Collateral security and variable loan-to-value ratios are considered, accommodating a range of repayment structures.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 24%
  • Loan Duration: 3-24 months ⌛

Services & Industries

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

Pros

  • Quick lending
  • Flexible conditions

Cons

  • Higher APR rates for certain loans

Sources: Source

3. Hampshire Trust Bank

Hampshire Trust Bank provides specialist lending focused on higher-value bridging loans, suitable for both residential and commercial transactions. It fits borrowers requiring competitive rates and secured loan options. The bank allows varied loan durations and often requires collateral linked to the property value.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 5.89%
  • Max APR: 0%
  • Loan Duration: 1-5 years ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Loans, Development Finance
  • Industries: Property Development, SME

Pros

  • Competitive rates
  • High loan values

Cons

  • Complex application process

Sources: Source

4. Funding 365

Funding 365 focuses on flexible financing solutions without fixed terms or traditional fees. It targets borrowers seeking adaptable repayment options based on cash flow. This provider is appropriate for franchise buyers looking for quick access to business and property investment funds without collateral requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible, based on cash flow ⌛

Services & Industries

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

Pros

  • Fast approval
  • No hidden fees

Cons

  • APR details unclear

Sources: Source

5. KIS Finance

KIS Finance serves as an independent broker specialising in bridging loans, offering tailored financial advice for property and commercial purposes. This is suitable for borrowers needing personalised solutions with competitive interest rates. They connect clients with lenders providing secured options and varying loan-to-value bands.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0.49%
  • Max APR: 0%
  • Loan Duration: 1-24 months ⌛

Services & Industries

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

Pros

  • Low starting rates
  • Expert advisory

Cons

  • Limited public loan data

Sources: Source

6. Fluent Money

Fluent Money operates as a secured loans broker with broad access to lenders providing bridging finance and other secured loan products. It suits franchises and SMEs who prefer brokered solutions with flexible terms and options on security and repayments. Their service emphasises efficiency and access to diverse lending sources.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

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

Pros

  • Wide lender network
  • Efficient service

Cons

  • Depends on third-party lenders

Sources: Source

7. The Loans Engine

The Loans Engine specialises in customised financial solutions including secured and commercial loans. It is suitable for borrowers seeking personalisation in loan structure and terms, often catering to franchise buyers requiring longer repayment periods and varied APR bands. Their approach balances flexibility with comprehensive service.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £1,000,000
  • Min APR: 4.9%
  • Max APR: 14.9%
  • Loan Duration: 1-25 years ⌛

Services & Industries

  • Finance Types: Commercial Loans, Bridging Loans
  • Industries: Commercial, Residential

Pros

  • Personalised solutions
  • Comprehensive services

Cons

  • Higher rate for unsecured options

Sources: Source

8. Belgravia Property Finance

Belgravia Property Finance specialises in bespoke property finance for large-scale commercial and residential developments. It is appropriate for borrowers who require flexible terms and are involved in development or senior debt finance. The lender focuses on competitive rates and caters primarily to higher market segments.

Loan Details

  • Min Amount: £5,000,000
  • Max Amount: £150,000,000
  • Min APR: 3.24%
  • Max APR: 0%
  • Loan Duration: 2-10 years ⌛

Services & Industries

  • Finance Types: Development Finance, Senior Debt
  • Industries: Development, Real Estate

Pros

  • Large loan amounts
  • Competitive rates

Cons

  • Focus on higher-end markets

Sources: Source

9. Vibe Finance

Vibe Finance is a mortgage brokerage offering award-winning tailored financial solutions for commercial and residential property investments. It is suitable for borrowers who value personalised service and need varied loan types such as second charge loans or mortgages. The lender focuses on flexibility within medium to long-term loan durations.

Loan Details

  • Min Amount: £200,000
  • Max Amount: £5,000,000
  • Min APR: 4.7%
  • Max APR: 8.2%
  • Loan Duration: 2-25 years ⌛

Services & Industries

  • Finance Types: Mortgages, Second Charge Loans
  • Industries: Property, Finance

Pros

  • Tailored solutions
  • Award-winning service

Cons

  • Limited loan product range

Sources: Source

10. Shawbrook Bank

Shawbrook Bank is a specialist lending institution focusing on SME and property market clients with tailored bridging loans and unsecured business loans. It suits borrowers who prefer bank-backed security and a trusted source for mid-sized loan amounts. The bank offers various repayment options and aims for competitive terms matched to client needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 14.1%
  • Max APR: 0%
  • Loan Duration: 1-5 years ⌛

Services & Industries

  • Finance Types: Bridging Loans, Unsecured Business Loans
  • Industries: SME, Property

Pros

  • Tailored products
  • Trusted financial institution

Cons

  • Higher APR for unsecured loans

Sources: Source

How to choose

When securing a bridging loan around 150,000 pounds, consider your loan amount, APR range, and repayment flexibility carefully. Check each provider’s eligibility criteria and the time they take to process applications. Assess whether collateral is needed and the typical loan-to-value ratios they accept. Balance your need for speed against the flexibility offered for repayments and early exit options. Factor in any fees or charges that might affect total cost before committing. Matching these aspects to your franchise’s cash flow and financial goals is essential to a suitable choice.

Conclusion

Lenders vary by focus: banks generally offer trust and tailored bridging loans, brokers provide access to a range of lenders with flexible options, and specialists target specific sectors or loan types. Choose based on your needs, whether it is speed, loan size, or product type. Funding Agent remains a useful platform for quick, broad comparisons when seeking a bridging loan of around 150 thousand pounds. Always review and confirm the latest terms and prices directly with providers before applying.

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FAQs

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