Best Lenders to Secure a 150k to 200k 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 2026-01-22.
Funding Agent offers a platform focused on unsecured business loans for UK SMEs. It caters well to franchise buyers and operators needing working capital without collateral. Their process is streamlined for speed with clear eligibility matching and straightforward terms.
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
MT Finance is focused on bridging finance for residential, commercial, and mixed-use developments. It suits clients seeking property purchase or refinance with secured loans. They offer fast funding and no exit fees with an emphasis on structured short-term lending.
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: Residential, Commercial
Pros
- No exit fees
- Fast funding processes
Cons
- Limited secured loan options
Funding 365 focuses on flexible finance including business cash advances and unsecured loans. Suitable for SMEs needing working capital with fast approval. They prioritise transparency with high acceptance and no hidden charges.
Loan Details
- Min Amount: £0
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Business Cash Advances, Unsecured Loans
- Industries: Retail, Hospitality
Pros
- Quick approval
- No hidden costs
Cons
- Limited to unsecured options
KIS Finance provides bridging finance and commercial mortgages targeted at clients needing tailored funding solutions. It is suitable for property investors and borrowers requiring flexible loan structures with varying security and loan-to-value ratios. They place focus on personalised advice and adaptable terms.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6.45%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Mortgages
- Industries: Commercial, Property
Pros
- Tailored financial products
- Independent advice
Cons
- Not the lowest rates available
Shawbrook Bank provides property finance including bridging and buy-to-let mortgages suited for investors and borrowers. Its products are designed for opportunities requiring swift funding. The lender supports various property investment sectors with competitive rates and flexible offerings.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 3.75%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Buy-to-Let Mortgages, Bridging Loans
- Industries: Property Investment, Real Estate
Pros
- Quick processing
- Wide range of products
Cons
- Higher rates for short-term loans
Precise Mortgages offers bridging finance solutions designed for both regulated and unregulated mortgage markets. It is suitable for borrowers needing straightforward, short-term finance for residential or commercial purposes. Their approach emphasises clarity and efficient processing.
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 Loans
- Industries: Residential, Commercial
Pros
- Simple processes
- Wide LTV offerings
Cons
- Strict credit requirements
Market Financial Solutions delivers flexible bridging finance well-suited for individual and corporate borrowers. The provider supports diverse financing needs through adaptable underwriting and customised solutions. This makes it relevant for property or commercial investments requiring agility.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 4.99%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Loans
- Industries: Property, Retail
Pros
- Flexible underwriting
- Custom solutions
Clifton Private Finance focuses on high-value bridging loans and business finance. This provider is apt for borrowers seeking transparency and personal service, particularly in the finance and real estate sectors. They offer tailored solutions with detailed client support.
Loan Details
- Min Amount: £50,000
- Max Amount: £0
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 12-36 months ⌛
Services & Industries
- Finance Types: Business Loans, Bridging Loans
- Industries: Finance, Real Estate
Pros
- Transparent rates
- Personalized service
Propp Finance operates a property finance comparison platform to help find suitable loans quickly. It benefits borrowers seeking ease of access to multiple lenders, useful for commercial and bridging needs in real estate. The platform offers a streamlined approach to loan sourcing.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Commercial Mortgages, Bridging Finance
- Industries: Real Estate, Commercial
Pros
- Comparison platform
- Easy access to lenders
Brickflow provides a digital platform to access competitive commercial and bridging loans efficiently. It assists SMEs with fast rate comparisons and lender reach. The platform facilitates better decision-making with tech-driven tools.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 5.7%
- Max APR: 13.2%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Commercial, Construction
Pros
- User-friendly platform
- Access to numerous lenders
Cons
- Subscription fees for brokers
How to choose
When selecting the best lender for a 150k to 200k bridging loan, consider how the loan amount and APR fit your budget. Check each lender’s eligibility criteria carefully. Balance your need for speed against the flexibility of terms and security requirements. Factor in loan-to-value allowances and available repayment options. Also, review fees and early repayment conditions. This helps ensure the loan aligns with your franchise or property investment cash flow needs.
Conclusion
Choosing the right lender depends on your specific use case. Banks often provide structured products for typical loan needs. Brokers can offer access to a wider range of lenders but may involve additional fees. Specialists focus on niche sectors or complex cases. Funding Agent serves as a useful resource for SMEs seeking quick comparisons. Always verify terms and costs before committing to a 200 thousand pounds loan.
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