Best Lenders to Secure a 190k Bridging Loan
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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.
1. Funding Agent
Funding Agent focuses on helping UK SMEs find business finance by comparing options quickly through a streamlined application. It is suitable for SMEs looking for fast eligibility checks and clear, predictable lending terms. The platform prioritises speed and ease, offering unsecured loans without collateral and access to a range of financing solutions.
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. Brickflow
Brickflow operates as a digital marketplace concentrating on property finance, including bridging and development loans. It suits borrowers needing access to a broad network of lenders for property purchase or refinance. The platform often supports larger loan amounts with a focus on transparency and delivery speed through brokered solutions.
Loan Details
- Min Amount: £150,000
- Max Amount: £150,000,000
- Min APR: 8.75%
- Max APR: 14.25%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Property Development, Residential, Commercial
Pros
- Extensive lender network
- Comprehensive loan sourcing
Cons
- High minimum loan amount
Sources: Source
3. Shawbrook Bank
Shawbrook Bank provides tailored lending solutions with an emphasis on property finance and SME growth funding. It is suitable for businesses requiring secure loans for property or expansion with flexible repayment options. The lender offers products designed to balance competitive rates with borrower needs.
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, Property Finance
- Industries: SMEs, Property, Commercial
Pros
- No early settlement fees post-12 months
- Tailored financial products
Cons
- Upper loan limit for unsecured loans
Sources: Source
4. KIS Finance
KIS Finance operates as an independent loan broker focusing on bridging and development finance throughout the UK. It is suitable for borrowers seeking expert advice with access to a range of lending options tailored to property projects. The service emphasises personalised support though loan specifics may vary.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Various
Pros
- Independently managed
- Expert advice
Cons
- Limited loan details publicly available
Sources: Source
5. MFS (Market Financial Solutions)
MFS (Market Financial Solutions) provides bespoke bridging loans designed for residential, commercial, and development projects. It suits borrowers requiring quick loan approval with competitive rates and flexible criteria. The lender focuses on customised financing solutions for property-related lending needs.
Loan Details
- Min Amount: £100,000
- Max Amount: £0
- Min APR: 0.7%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Residential, Commercial
Pros
- Quick loan processing
- Flexible lending criteria
Cons
- Rates can be high for complex cases
Sources: Source
6. MT Finance
MT Finance specialises in rapid bridging loans and short-term funding geared towards property developers and investors. It fits borrowers looking for flexible terms and prompt funding decisions. The lender offers targeted financing for property projects with responsive service options.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans, Short-term Loans
- Industries: Property Development
Pros
- Flexible loan terms
- Responsive service
Cons
- Limited APR information
Sources: Source
7. Funding 365
Funding 365 offers bespoke bridging loans focused on short durations up to 12 months, mainly for residential, commercial, and semi-commercial properties. It suits borrowers who prioritise quick processing and tailored lending solutions. The lender typically supports high loan-to-value deals with a focus on speed and property sectors.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 0.74%
- Max APR: 0%
- Loan Duration: 3-12 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Commercial, Residential
Pros
- Fast bespoke service
- High LTV options
Cons
- Short loan duration
Sources: Source
8. Fluent Money
Fluent Money is a UK broker offering access to a wide range of financial products including mortgages and bridging finance. It is suitable for clients seeking various loan types with broad eligibility criteria. The service provides client-focused brokerage solutions rather than direct lending.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Mortgages, Bridging Finance
- Industries: Residential, Consumers, SMEs
Pros
- Wide range of financial products
- Highly-rated customer service
Cons
- No direct lending
Sources: Source
9. Belgravia Property Finance
Belgravia Property Finance is a London-based broker specialising in property and development finance with competitive rates. It is suited to clients seeking tailored bridging solutions for commercial or residential property projects. The broker offers customised deals focused on borrower needs and market conditions.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 3.24%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Property Finance, Development Finance
- Industries: Commercial, Residential
Pros
- Low starting rates
- Tailored solutions
Cons
- Information on maximum loan amounts not readily available
Sources: Source
10. The Loans Engine
The Loans Engine acts as a broker offering a variety of financing options for residential and commercial loans. It is appropriate for clients seeking a broad selection of loan types with competitive terms. The company delivers lending solutions through brokered services tailored to borrower goals.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Residential Loans, Commercial Loans
- Industries: Residential, Commercial
Pros
- Diverse loan options
- High customer ratings
Cons
- Not a direct lender
Sources: Source
How to choose
When securing a 190k bridging loan, consider matching loan amount and APR to your financial capacity and repayment plans. Assess eligibility criteria carefully, including collateral and loan-to-value requirements, which vary by lender type. Determine whether you need a quick decision or greater flexibility in terms. Compare fees, early repayment options, and security demands. For property-related loans, ensure the lender’s products suit your asset type and project timeline. Using brokers can provide access to multiple options, while specialist lenders may offer tailored solutions.
Conclusion
Choosing the right lender depends on your loan purpose and preferred process. Banks often provide structured loans with regulated terms, suitable for borrowers prioritising stability. Brokers like Funding Agent offer a broad view of the market for more options but do not lend directly. Specialist lenders and brokers may better support complex or property-backed financing needs with flexible criteria. Matching your situation to the lender’s focus helps optimise fit and outcomes for loans around 200 thousand pounds.
