January 23, 2026
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Best Lenders to Secure a 170k Bridging Loan

Best Lenders to Secure a 170k Bridging Loan

Discover the best lenders offering £170,000 bridging loans. Get quick approval, competitive rates, and expert tips to secure your bridging loan today.
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
2KIS FinanceKIS Finance provides bridging loans, development finance, and commercial mortgage solutions, tailored to meet individual borrower needs.£100,000–£1,000,000,000; 6.35%–0% APR; 3–30 years
3MT FinanceMT Finance specializes in providing quick and flexible bridging finance solutions in London, catering to both residential and commercial property acquisitions.£50,000–£10,000,000; 6%–12% APR; 3–24 months
4Funding 365Funding 365 offers competitive rates for bridging and development loans with flexible terms suited to meet individual needs.£50,000–£5,000,000; 7.5%–0% APR; 6–18 months
5Market Financial SolutionsMarket Financial Solutions provides bespoke bridging and commercial mortgage solutions tailored for UK property investors.£0–£0; 4.99%–0% APR; Variable
6Precise MortgagesPrecise Mortgages is a specialist lender in the UK offering residential mortgages and bridging finance solutions with high loan-to-value ratios.£0–£0; 0%–0% APR; 1–18 months
7ProppPropp simplifies specialist finance including bridging loans and commercial mortgages with award-winning service and competitive rates.£0–£0; 0%–0% APR; Variable
8Empire Global FinanceEmpire Global Finance provides flexible funding solutions including Lombard loans and securities-backed lending supporting a variety of financial needs.£0–£0; 0%–0% APR; Variable
9Clifton Private FinanceClifton Private Finance is a specialist in property finance including bridging loans across the UK and Europe, with a focus on bespoke solutions.£50,000–£0; 8%–20% APR; 12–24 months
10BrickflowBrickflow offers innovative solutions with a platform that connects brokers with 100+ lenders for a variety of commercial and bridging loans.£150,000–£150,000,000; 8.75%–14.25% APR; Variable

1. Funding Agent

Funding Agent focuses on facilitating fast comparisons of unsecured business finance for UK SMEs. It is typically suited for franchises and small businesses seeking working capital with a straightforward application process. The service offers quick eligibility checks and places emphasis on speed and simplicity without requiring collateral.

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 offers bridging, development, and commercial mortgage finance, focusing on bespoke solutions for larger or complex property deals. It is suited for franchise buyers or businesses seeking high loan amounts with flexible terms and asset-backed security. The provider highlights tailored lending with potential for longer-term arrangements.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £1,000,000,000
  • Min APR: 6.35%
  • Max APR: 0%
  • Loan Duration: 3–30 years ⌛

Services & Industries

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

Pros

  • Fast funding
  • No broker fees

Cons

  • High minimum loan amount

Sources: Source

3. MT Finance

MT Finance provides bridging finance focused on residential and commercial property acquisitions in London. It fits borrowers needing quick approvals and flexible repayment options secured on property. The lender supports both short-term bridging and development loans.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 12%
  • Loan Duration: 3–24 months ⌛

Services & Industries

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

Pros

  • Quick approval
  • Flexible repayment

Cons

  • High interest rates

Sources: Source

4. Funding 365

Funding 365 specialises in flexible bridging and development loans with competitive rates. This lender caters to borrowers needing adaptable terms for property finance, focusing on transparency without hidden fees. It is appropriate for those prioritising manageable repayment schedules over fixed long-term commitments.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 7.5%
  • Max APR: 0%
  • Loan Duration: 6–18 months ⌛

Services & Industries

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

Pros

  • Flexible terms
  • No hidden fees

Cons

  • Higher APR for small amounts

Sources: Source

5. Market Financial Solutions

Market Financial Solutions delivers bespoke bridging and commercial mortgage products aimed at property investors in the UK. This provider suits borrowers seeking tailored options for investment opportunities with flexible structures. It emphasises customised lending but with limited public details on maximum loan sizes.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 4.99%
  • Max APR: 0%
  • Loan Duration: Variable ⌛

Services & Industries

  • Finance Types: Bridging Loans, Buy-to-let Mortgages
  • Industries: Investments, Properties

Pros

  • Competitive rates
  • Flexible solutions

Cons

  • Unknown maximum loan amounts

Sources: Source

6. Precise Mortgages

Precise Mortgages focuses on specialist residential mortgages and bridging finance with high loan-to-value ratios. It is suitable for borrowers seeking property finance with flexible repayment options and competitive terms. This lender targets those requiring tailored solutions for residential property purchases or refinancing.

Loan Details

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

Services & Industries

  • Finance Types: Bridging Finance, Residential Mortgages
  • Industries: Residential, Property Finance

Pros

  • High LTV ratios
  • No early repayment charges

Cons

  • Limited maximum durations

Sources: Source

7. Propp

Propp offers specialist bridging loans and commercial mortgages with an emphasis on customer service and competitive rates. It is designed for borrowers who need access to niche property finance and value brokered support. The provider is appropriate for those seeking variable terms and specific development finance options.

Loan Details

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

Services & Industries

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

Pros

  • Award winning service
  • Specialist finance solutions

Cons

  • Limited APR range available

Sources: Source

8. Empire Global Finance

Empire Global Finance provides flexible securities-backed lending and Lombard loans tailored to property and investment financing. It suits borrowers needing adaptable funding solutions without fixed APRs and complex loan structures. This lender targets borrowers looking for alternative finance backed by assets or securities.

Loan Details

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

Services & Industries

  • Finance Types: Securities-backed Lending, Lombard Loans
  • Industries: Property, Investment

Pros

  • Flexible solutions
  • No fixed APR

Cons

  • Complex loan structures

Sources: Source

9. Clifton Private Finance

Clifton Private Finance specialises in bespoke bridging loans and development finance for property across the UK and Europe. It is appropriate for borrowers seeking tailored lending solutions with competitive APRs and flexible repayment terms. The provider targets real estate development and investment clientele requiring custom finance.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £0
  • Min APR: 8%
  • Max APR: 20%
  • Loan Duration: 12–24 months ⌛

Services & Industries

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

Pros

  • Tailored finance
  • No early repayment fees

Cons

  • Higher APRs

Sources: Source

10. Brickflow

Brickflow operates a platform connecting brokers with over 100 lenders offering commercial and bridging loans. It is fitted for borrowers seeking wide lender access and tailored finance options for commercial development projects. The platform emphasises innovative, technology-enabled matching and a variety of loan structures.

Loan Details

  • Min Amount: £150,000
  • Max Amount: £150,000,000
  • Min APR: 8.75%
  • Max APR: 14.25%
  • Loan Duration: Variable ⌛

Services & Industries

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

Pros

  • Broad lender access
  • Innovative platform

Cons

  • Complex fee structures

Sources: Source

How to choose

When seeking a bridging loan around £170,000, align the loan size and APR with your precise budget and repayment capacity. Assess lender eligibility requirements carefully and weigh up the trade-off between a speedy approval and flexible loan terms. Consider your franchise's cash flow seasonal variations to schedule repayments that fit comfortably. Review detailed lender policies on collateral, loan-to-value ratios, fees, and early repayment rules. Also, decide whether you prefer a direct lender, broker access, or a specialist provider based on your needs. Thoroughly compare offers and confirm all terms before proceeding.

Conclusion

Matching your financing needs involves understanding the differences between bank lenders, brokers, and specialist providers. Banks may offer competitive rates but can be less flexible on criteria. Brokers provide access to multiple lenders offering a range of options for bridging or commercial loans. Specialist lenders often focus on niche products with tailored terms. Funding Agent remains a practical starting point for SMEs requiring quick comparison and fast access to funding. For a loan around 170 thousand pounds, selecting a provider that fits your specific use case and business context is essential to secure appropriate terms.

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