January 23, 2026
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Best Lenders to Secure a 180k Bridging Loan

Best Lenders to Secure a 180k Bridging Loan

Discover the best lenders to secure a £180,000 bridging loan quickly and easily. Learn about interest rates, terms, and application tips to get the right loan for your needs.
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

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 a leading UK-based bridging lender offering finance for residential and commercial purposes, known for their fast processing and competitive rates.£50,000–£10,000,000; 11.4%–0% APR; 3–24 months
3Funding 365Specializing in bridging and development loans, Funding 365 offers customized loan solutions with competitive monthly interest rates.£300,000–£5,000,000; 7.7%–0% APR; 6–12 months
4FinbriFinbri offers comprehensive bridging loan solutions for a variety of uses, including real estate and commercial properties.£26,000–£250,000,000; 9%–0% APR; Varied per project
5ShawbrookShawbrook Bank is a challenger bank offering diverse lending solutions to UK businesses focusing on asset-based and unsecured lending.£25,000–£350,000; 0%–0% APR; 12–60 months
6KIS FinanceKIS Finance offers specialized independent financial brokerage services, providing access to a range of commercial and personal finance products.£50,000–£10,000,000; 6.6%–9.9% APR; Varied
7Clifton Private FinanceClifton Private Finance specializes in bespoke financial solutions tailored to small and medium businesses, offering both secured and unsecured loans.£50,000–£0; 8%–15% APR; Flexible
8BrickflowBrickflow provides a digital platform for managing commercial and bridging loan portfolios, offering competitive market rates and an extensive lender network.£0–£0; 5.7%–13.2% APR; Depends on the loan
9Precise MortgagesPrecise Mortgages offers structured residential and bridging finance, focusing on delivering specialist loans with flexible options.£0–£0; 4.48%–5% APR; Up to 40 years
10Market Financial SolutionsMarket Financial Solutions provides bridging loans with no maximum upper limit, catering to large-scale commercial finance projects.£100,000–£0; 4.99%–0% APR; Long-term bridging available

1. Funding Agent

Funding Agent focuses on providing fast comparison of business finance options for UK SMEs. It is suitable for franchise buyers and businesses seeking working capital with flexible, unsecured funding. The provider offers a straightforward application process with quick eligibility checks, supporting predictable repayment terms without 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. MT Finance

MT Finance focuses on bridging loans for residential and commercial property needs. It is typically suited for franchise buyers or property investors seeking relatively quick financing solutions with competitive rates. The lender offers fast processing times and flexible terms with property-secured loans.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 11.4%
  • Max APR: 0%
  • Loan Duration: 3–24 months ⌛

Services & Industries

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

Pros

  • Fast processing
  • Flexible terms

Cons

  • Higher interest rates

Sources: Source

3. Funding 365

Funding 365 offers bridging and development loans tailored for property projects and businesses needing short-term finance. It suits franchise buyers or property developers who need flexible terms with interest-only repayment options. Their loan solutions focus on competitive monthly interest and customised arrangements to fit project requirements.

Loan Details

  • Min Amount: £300,000
  • Max Amount: £5,000,000
  • Min APR: 7.7%
  • Max APR: 0%
  • Loan Duration: 6–12 months ⌛

Services & Industries

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

Pros

  • Competitive rates
  • Customizable terms

Cons

  • Shorter loan terms

Sources: Source

4. Finbri

Finbri specialises in bridging loans for various property types, including commercial and real estate developments. This provider is suitable for franchise buyers or businesses needing larger loan amounts with flexible project-specific terms. Loan offers include a range of LTV options and typically allow for different repayment methods depending on the project.

Loan Details

  • Min Amount: £26,000
  • Max Amount: £250,000,000
  • Min APR: 9%
  • Max APR: 0%
  • Loan Duration: Varied per project ⌛

Services & Industries

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

Pros

  • Wide range of loan amounts
  • Flexible interest options

Cons

  • Complex application process

Sources: Source

5. Shawbrook

Shawbrook is a challenger bank providing asset-based and unsecured lending tailored to SMEs. It suits franchise buyers and small businesses requiring transparent financing with a focus on unsecured options. Shawbrook highlights a digital application process and lending products designed with SME needs in mind.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: SMEs

Pros

  • Digital application process
  • Focus on SMEs

Cons

  • Limited maximum loan amount

Sources: Source

6. KIS Finance

KIS Finance operates as an independent financial broker offering access to a wide range of commercial and personal finance products. It is well-suited to franchise buyers seeking bespoke loan options with access to multiple lenders. Offers include bridging loans and commercial mortgages with variable terms dependent on lender offerings.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 6.6%
  • Max APR: 9.9%
  • Loan Duration: Varied ⌛

Services & Industries

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

Pros

  • Independent broker
  • Wide lender access

Cons

  • Fees for brokerage

Sources: Source

7. Clifton Private Finance

Clifton Private Finance delivers bespoke secured and unsecured loan services focused on small and medium UK businesses. It suits franchise buyers requiring flexible loan structures with tailored terms and repayment options. The provider emphasises personalised financial solutions without imposing early repayment penalties.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £0
  • Min APR: 8%
  • Max APR: 15%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: SMEs, Commercial

Pros

  • Bespoke finance solutions
  • No early repayment fees

Cons

  • Higher starting APR

Sources: Source

8. Brickflow

Brickflow is a digital platform offering access to multiple lenders for commercial and bridging loans. It is typically suitable for franchise buyers who prefer managing and comparing lending options online. The platform provides competitive rates with flexible market-driven terms and a broad lender network.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 5.7%
  • Max APR: 13.2%
  • Loan Duration: Depends on the loan ⌛

Services & Industries

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

Pros

  • Digital platform
  • Wide lender access

Cons

  • Variable interest rates

Sources: Source

9. Precise Mortgages

Precise Mortgages provides specialist residential and bridging finance with flexible loan and repayment options. It is suitable for franchise buyers and property investors needing tailored financing solutions with a focus on structured lending. This lender supports longer term arrangements often required for property acquisition or refinance.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 4.48%
  • Max APR: 5%
  • Loan Duration: Up to 40 years ⌛

Services & Industries

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

Pros

  • High LTV options
  • Specialist focus

Cons

  • Complex terms

Sources: Source

10. Market Financial Solutions

Market Financial Solutions offers bridging loans with no upper borrowing limit, targeting large commercial financing needs. It suits franchise buyers or businesses seeking long-term bridging finance for substantial projects. The lender emphasises competitive commercial rates and tailored terms for more complex financing requirements.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £0
  • Min APR: 4.99%
  • Max APR: 0%
  • Loan Duration: Long-term bridging available ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Loans
  • Industries: Large Commercial Projects

Pros

  • No upper limit
  • Competitive commercial rates

Cons

  • Long approval time

Sources: Source

How to choose

When selecting the best lender for a 180k bridging loan, consider your loan size and the interest rates to ensure affordability. Assess lenders based on their eligibility criteria and how quickly you need funds. Evaluate the loan terms, including whether the lender requires security or offers unsecured options. Consider the repayment flexibility and whether loan durations align with your cash flow. Check fees and early repayment conditions for added cost clarity. Finally, using a broker or digital platform might widen your options and simplify application processes.

Conclusion

Choosing the right lender depends on your specific use case—banks generally provide direct lending with more standardized terms, brokers offer access to wider lender networks with tailored solutions, and specialists focus on niche financing needs. Funding Agent is a practical choice for borrowers who want to quickly compare multiple lenders for a 180 thousand pounds loan. For larger or more complex requirements, consider commercial lenders or brokers who provide custom options. Always review current terms and suitability carefully before deciding.

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