Best Lenders to Secure a 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 focuses on enabling UK SMEs to compare a range of business finance options quickly. It is typically suitable for franchise buyers and operators seeking accessible unsecured finance. The platform offers a fast application process with clear eligibility criteria and a variety of repayment types.
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 specialises in bridging finance with a focus on property purchase and refinance loans. It caters to borrowers needing flexible terms typically secured on property. The lender offers competitive rates and quick decision-making for larger loan amounts.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 0.95%
- Max APR: 0.99%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Bridging Loan
- Industries: Real Estate
Pros
- High loan amounts
- Flexible terms
Funding 365 offers flexible small business loans with a focus on fast funding and accessible terms. It suits borrowers requiring working capital or smaller bridging loans with no upfront fees. The product flexibility allows for varied repayment schedules and quick access via a streamlined process.
Loan Details
- Min Amount: £0
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: Small Business
Castle Trust Bank provides specialist property loans focusing on investors and landlords. The lender targets borrowers looking for expert support in property finance. Its loans typically involve secured repayment options, although some details remain unspecified.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Property Loans
- Industries: Real Estate
Cons
- Limited information on APR
Lendinvest focuses on property finance for intermediaries, developers, and landlords, providing flexible bridging and development loans. It suits borrowers needing competitive rates and a variety of loan purposes within property. The service supports versatile repayment options, though loan amounts may vary.
Loan Details
- Min Amount: £1,000,000
- Max Amount: £0
- Min APR: 0.7%
- Max APR: 3.14%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loan, Development Finance
- Industries: Real Estate
Pros
- Reduced rates
- Versatile loans
Cons
- Higher minimum loan amount
Brickflow acts as a commercial finance broker providing tailored loans mainly for property development and refurbishment. It is suited for borrowers seeking bespoke solutions through brokerage. The lender often requires broker assistance and offers flexible loan structures based on project needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6%
- Max APR: 13.2%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Commercial Loans
- Industries: Property Development
Shawbrook supplies structured finance solutions designed for SMEs with diverse business needs. This lender is suitable for those looking for fixed repayment schedules and moderate loan amounts. Shawbrook focuses on providing transparent terms and adaptable lending options.
Loan Details
- Min Amount: £25,000
- Max Amount: £350,000
- Min APR: 0%
- Max APR: 14.1%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Unsecured Business Loans
- Industries: SMEs
Clifton Private Finance specialises in bridging and business loans with flexible solutions for complex cases. This lender is appropriate for borrowers needing tailored finance often secured on property or business assets. Loan structures focus on accommodating challenging credit or security situations.
Loan Details
- Min Amount: £50,000
- Max Amount: £0
- Min APR: 7%
- Max APR: 20%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans, Business Loans
- Industries: Property, Business
Cons
- Requirements for collateral
Propp provides bridging and development loans focused on property projects, offering flexible finance solutions. It is aimed at borrowers who need adaptable loan terms with brokered assistance. The lender emphasises custom solutions but specifics on APR and amounts 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, Development Finance
- Industries: Property
Tiger Financial provides bespoke bridging and development finance across the UK, focusing on tailored lending for property-related projects. It suits borrowers who require flexible, custom solutions often involving complex security arrangements. The lender supports a range of industries including real estate and development.
Loan Details
- Min Amount: £100,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Real Estate, Development
Cons
- Requires complex collateral
How to choose
When selecting the best lender for a 200 thousand pounds bridging loan, consider your loan size, security options, and speed of funding. Some lenders specialise in unsecured business loans, while others focus on property-secured bridging loans with variable loan-to-value ratios. Flexibility in repayment and loan term is also key depending on your cash flow needs. Brokers can offer tailored, bespoke loans but may require additional fees. Always review eligibility criteria, collateral requirements, and any fees before applying to ensure the loan fits your franchise's financial model.
Conclusion
Choosing the right lender for your 200 thousand pounds loan depends on your needs. Banks typically offer structured products with clear terms, while brokers provide tailored solutions that might suit more complex situations. Specialist lenders focus on bridging, development, or property finance with varying degrees of flexibility and security options. Funding Agent is a useful starting point for SMEs seeking quick comparisons. Always verify terms directly with lenders to ensure the best fit for your franchise finance requirements.