January 23, 2026
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Best Lenders to Secure a 160k Bridging Loan

Best Lenders to Secure a 160k Bridging Loan

Discover the best lenders to secure a £160,000 bridging loan in the UK. Compare offers, interest rates, and terms to find the ideal bridging loan provider for your needs.
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

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 competitive interest rates and fast solutions.£50,000–£10,000,000; 0.95%–1.29% APR; 3-24 months
3Funding 365Funding 365 provides fast, bespoke, 3 to 12 month bridging loans secured against properties across the UK.£100,000–£5,000,000; 0.39%–0.64% APR; 3-12 months
4Precise MortgagesPrecise Mortgages is a specialist lender offering residential mortgages and bridging finance with flexible solutions.£25,000–£5,000,000; 0%–0% APR; 1-18 months
5Market Financial SolutionsMarket Financial Solutions provides bespoke bridging finance solutions with a focus on speed and service.£100,000–£35,000,000; 3.99%–4.99% APR; 1-12 months
6Empire Global FinanceEmpire Global Finance offers a wide range of bespoke finance solutions including business and corporate finances.£50,000–£5,000,000; 0%–0% APR; 1-24 months
7KIS FinanceKIS Finance is an independent specialist finance broker offering award-winning loans and commercial mortgages.£100,000–£250,000,000; 0.49%–1.99% APR; 1-12 months
8Clifton Private FinanceA UK-based finance company offering bespoke property finance solutions, including bridging and commercial loans.£20,000–£250,000,000; 2%–3% APR; 1-36 months
9Money.co.ukMoney.co.uk is a UK-based price comparison website that compares various financial products including loans.£500–£15,000,000; 7%–20% APR; 6-60 months
10GoCompareGoCompare is a UK comparison site that helps consumers compare insurance policies, loans, and other financial products.£10,000–£500,000; 6%–20% APR; 1-12 months

1. Funding Agent

Funding Agent focuses on helping UK SMEs compare various unsecured business finance options through a fast and simple application process. It is typically suitable for franchise buyers or small businesses seeking working capital or merchant cash advances without collateral. The provider offers quick eligibility matching with flexible terms and straightforward repayment options.

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 specialises in bridging finance with competitive interest rates, aimed mainly at property development and commercial ventures. It typically suits borrowers seeking short-term, secured funding for property purchases or refinancing. The lender offers fast turnarounds, flexible security options, and a focus on property-related transactions.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0.95%
  • Max APR: 1.29%
  • Loan Duration: 3-24 months ⌛

Services & Industries

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

Pros

  • Fast approvals
  • Competitive rates

Cons

  • Only available for business purposes

Sources: Source

3. Funding 365

Funding 365 offers bespoke bridging loans secured against UK properties, designed for short-term lending needs. It is ideal for borrowers requiring tailored funding for property investment, auctions, or refurbishment projects. The services include flexible loan-to-value options with a focus on quick completions and personalised agreements.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.39%
  • Max APR: 0.64%
  • Loan Duration: 3-12 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Development Loans
  • Industries: Property Investments, Auctions

Pros

  • Quick completions
  • Tailored loan solutions

Cons

  • High minimum loan amount

Sources: Source

4. Precise Mortgages

Precise Mortgages is a specialist lender providing residential mortgages and bridging finance with an emphasis on flexibility. It suits borrowers looking for short to mid-term residential or commercial finance with tailored repayment terms. Offers include options that may not require exit fees and flexible structuring to accommodate different borrower needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-18 months ⌛

Services & Industries

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

Pros

  • No exit fees
  • Flexible terms

Cons

  • Terms up to 18 months only

Sources: Source

5. Market Financial Solutions

Market Financial Solutions offers bespoke bridging finance and buy-to-let mortgage services focusing on swift processing and personalised service. This lender is suited for borrowers requiring larger loan amounts with tailored packages. It prioritises client service and speed while accommodating a range of property investment needs.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £35,000,000
  • Min APR: 3.99%
  • Max APR: 4.99%
  • Loan Duration: 1-12 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Buy-to-let Mortgages
  • Industries: Property Investment, Buy-to-let

Pros

  • Personalized service
  • High loan limits

Cons

  • Higher starting rates

Sources: Source

6. Empire Global Finance

Empire Global Finance delivers a broad range of bespoke finance solutions covering business and corporate funding requirements. It suits companies seeking flexible finance packages with customised security arrangements. The provider offers tailored terms that adapt to the borrower's needs and collateral status.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-24 months ⌛

Services & Industries

  • Finance Types: Business Financing, Commercial Loans
  • Industries: Corporate Finance, Residential Loans

Pros

  • Flexible finance solutions
  • Bespoke packages

Cons

  • Interest rates depend on securities

Sources: Source

7. KIS Finance

KIS Finance is an independent specialist broker providing access to bridging loans and commercial mortgages. It is suited for borrowers who require brokered access to a wide range of loan amounts and terms. The company offers award-winning service and helps tailor finance packages to residential and commercial needs.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £250,000,000
  • Min APR: 0.49%
  • Max APR: 1.99%
  • Loan Duration: 1-12 months ⌛

Services & Industries

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

Pros

  • Wide range of loan amounts
  • Award-winning service

Cons

  • Limited eligibility

Sources: Source

8. Clifton Private Finance

Clifton Private Finance is a UK-based lender offering bespoke property finance solutions, including bridging and commercial loans. It serves clients seeking flexible loans with longer terms and various security structures. The provider caters to commercial property investors and business borrowers requiring versatile arrangements.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £250,000,000
  • Min APR: 2%
  • Max APR: 3%
  • Loan Duration: 1-36 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Loans
  • Industries: Commercial Property, Business Loans

Pros

  • Versatile loan options
  • Long terms available

Cons

  • Higher APR rates

Sources: Source

9. Money.co.uk

Money.co.uk operates as a comprehensive UK price comparison website, comparing loans and various financial products. It is appropriate for borrowers who want to evaluate multiple lending options before deciding. The platform offers broad visibility but does not provide direct lending, so speed and terms depend on the linked providers.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 6-60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Consumer Loans
  • Industries: Financial Services

Pros

  • Wide comparison network
  • Detailed information

Cons

  • Comparison only, not a lender

Sources: Source

10. GoCompare

GoCompare is a UK comparison site that helps consumers compare insurance products, loans, and other financial services. It suits borrowers looking for a broad view of options without direct lending capabilities. The site facilitates comparison but the actual loan terms and speed depend on the lenders selected through the platform.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 6%
  • Max APR: 20%
  • Loan Duration: 1-12 months ⌛

Services & Industries

  • Finance Types: Business Loans, Insurance Policies
  • Industries: Financial Services, Insurance

Pros

  • Extensive comparison options
  • Established reputation

Cons

  • Does not issue loans

Sources: Source

How to choose

When securing a bridging loan around £160,000, consider lenders who match your loan size and security needs. Assess APRs and repayment terms to fit your cash flow and business model. Look for providers offering speed if you need quick funding, balanced against flexibility for your project duration. Evaluate eligibility criteria carefully and check all fees, including early repayment costs. Using brokers can increase access to specialist loans, but direct lenders may offer faster processing. Always verify the most current terms before proceeding.

Conclusion

Choosing the right lender for your 160 thousand pounds loan depends on your specific requirements. Specialist lenders are often best for complex or sector-specific needs, while brokers provide access to a wider market of loan options. Banks may suit those seeking traditional financing with established credit histories. Funding Agent remains a useful resource for SMEs looking to compare fast and straightforward finance products. Always align provider offerings with your project goals and repayment capacity.

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