January 22, 2026
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Best Lenders to Secure a 200k Bridging Loan

Best Lenders to Secure a 200k Bridging Loan

Discover the top lenders offering £200,000 bridging loans in the UK. Learn how to secure fast, flexible bridging finance with competitive rates and clear terms.
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

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.

1. Funding Agent

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

Sources: Funding Agent

2. MT Finance

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

Cons

  • Higher average APR

Sources: Source

3. Funding 365

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

Pros

  • No admin fees

Cons

  • Lack of fixed terms

Sources: Source

4. Castle Trust Bank

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

Pros

  • Supporting landlords

Cons

  • Limited information on APR

Sources: Source

5. Lendinvest

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

Sources: Source

6. Brickflow

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

Pros

  • Tailored solutions

Cons

  • Requires brokers

Sources: Source

7. Shawbrook

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

Pros

  • Fixed monthly repayments

Cons

  • Potentially high APR

Sources: Source

8. Clifton Private Finance

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

Pros

  • Competitive APR

Cons

  • Requirements for collateral

Sources: Source

9. Propp

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

Pros

  • Customized solutions

Cons

  • Lack of APR transparency

Sources: Source

10. Tiger Financial

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

Pros

  • Bespoke finance options

Cons

  • Requires complex collateral

Sources: Source

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.

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FAQs

What is a bridging loan?
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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 offering loans up to 10 million.£50,000–£10,000,000; 0.95%–0.99% APR; 3–24 months
3Funding 365Funding 365 provides up to £500k for small businesses, featuring flexible terms and quick funding.£0–£500,000; 0%–0% APR; Flexible
4Castle Trust BankCastle Trust Bank provides specialist property loans with a competitive interest rate, focusing on support for property investors and landlords.£0–£0; 0%–0% APR; Unknown
5LendinvestLendinvest provides property finance for intermediaries, developers, and landlords, offering competitive rates.£1,000,000–£0; 0.7%–3.14% APR; Unknown
6BrickflowBrickflow is a commercial finance broker offering tailored loans for property development and refurbishment projects.£0–£0; 6%–13.2% APR; Unknown
7ShawbrookShawbrook offers structured finance for SMEs, supporting a diverse range of business needs.£25,000–£350,000; 0%–14.1% APR; 1–5 years
8Clifton Private FinanceClifton Private Finance specializes in property and business finance with a focus on flexible solutions for complex needs.£50,000–£0; 7%–20% APR; Unknown
9ProppPropp provides flexible finance solutions for property projects, focusing on bridging and development loans.£0–£0; 0%–0% APR; Unknown
10Tiger FinancialTiger Financial provides bespoke bridging loans and development finance throughout the UK.£100,000–£0; 0%–0% APR; Unknown