January 22, 2026
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Best Lenders to Secure a 200k to 250k Bridging Loan

Best Lenders to Secure a 200k to 250k Bridging Loan

Discover the best lenders offering bridging loans from £200,000 to £250,000. Learn how to secure fast, reliable financing tailored to your needs in the UK property market.
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 to 250k 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 providing a streamlined platform for UK SMEs to compare various business finance options including bridging loans. It is generally suitable for franchise buyers and operators seeking quick eligibility checks and clear loan options. The service offers flexibility in loan terms without requiring collateral, making it a useful choice for businesses valuing speed and transparency.

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 acts as a broker connecting borrowers with bridging and commercial loans, focusing on competitive rates. Its loans typically suit franchise buyers or property investors needing flexible options. KIS Finance provides access to varied lending sources with a particular attention to security and loan-to-value considerations.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £1,000,000
  • Min APR: 6.35%
  • Max APR: 12.5%
  • Loan Duration: 3-30 years ⌛

Services & Industries

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

Pros

  • No broker fees
  • Fast funding

Cons

  • High LTV requirements

Sources: Source

3. Fluent Money

Fluent Money works as a broker offering a broad range of finance products, including bridging and secured loans. It is a suitable option for franchise buyers or businesses seeking tailored debt solutions with variable terms. Fluent Money provides flexibility with repayment types and typically works with borrowers looking for competitive and user-friendly lending processes.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 5.5%
  • Max APR: 15%
  • Loan Duration: 1-25 years ⌛

Services & Industries

  • Finance Types: Bridging Loans, Secured Loans
  • Industries: Commercial, Residential

Pros

  • User-friendly application process
  • Competitive interest rates

Cons

  • Limited geographic coverage

Sources: Source

4. The Loans Engine

The Loans Engine offers specialist finance solutions with an emphasis on bridging and commercial mortgages. It suits borrowers including franchise buyers who need customised lending with potentially complex financing structures. The provider focuses on flexibility with loan terms and often serves clients looking for industry-specific expertise.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £250,000
  • Min APR: 5.5%
  • Max APR: 14.5%
  • Loan Duration: 2-30 years ⌛

Services & Industries

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

Pros

  • Tailored finance solutions
  • Broad network access

Cons

  • Strict eligibility requirements

Sources: Source

5. Belgravia Property Finance

Belgravia Property Finance offers bespoke finance solutions for the real estate sector with a focus on managing high-value and complex loans. This lender is suitable for franchise buyers or property developers who require tailored loan structures and high loan amounts. The provider emphasises professional service and efficient management of large-scale finance arrangements.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £150,000,000
  • Min APR: 3.2%
  • Max APR: 6.5%
  • Loan Duration: 6-24 months ⌛

Services & Industries

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

Pros

  • Specialized in high-value projects
  • Reputable service

Cons

  • High entry loan amounts

Sources: Source

6. Vibe Finance

Vibe Finance specialises in bridging loans for commercial and residential investment properties. This provider is suited for franchise buyers or investors seeking short-term, tailored financing with a focus on property-backed loans. Vibe Finance offers specialised services with attention to client needs within the investment property market.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £5,000,000
  • Min APR: 6%
  • Max APR: 14%
  • Loan Duration: 1-12 months ⌛

Services & Industries

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

Pros

  • Multi-award winning service
  • Regulated by FCA

Cons

  • Limited to investment properties

Sources: Source

7. Blue Square Capital

Blue Square Capital provides fast bridging finance primarily secured against residential and commercial properties. It is tailored towards borrowers such as franchise buyers who need quick funding decisions and flexible terms. This lender emphasizes speed and accessibility with a focus on property-backed lending across the UK.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 6%
  • Max APR: 24%
  • Loan Duration: 6-15 months ⌛

Services & Industries

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

Pros

  • Fast approval process
  • Flexible terms

Cons

  • High APRs

Sources: Source

8. Trinity Specialist Finance

Trinity Specialist Finance is a broker delivering competitive bridging and development finance products. It suits clients such as franchise buyers or developers seeking specialised loans with flexible repayment and no early repayment penalties. The broker approach provides access to a range of lending options focused on construction and development sectors.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,500,000
  • Min APR: 7.4%
  • Max APR: 20%
  • Loan Duration: 12-36 months ⌛

Services & Industries

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

Pros

  • No early repayment charges
  • Competitive rates

Cons

  • Complex approval process

Sources: Source

9. Rapid Bridging

Rapid Bridging specialises in fast, short-term bridging loans for residential and commercial properties. It is well-suited for franchise buyers needing efficient access to funds with structured repayment options. The lender focuses on speed and regulatory compliance within the bridging loan market.

Loan Details

  • Min Amount: £125,000
  • Max Amount: £15,000,000
  • Min APR: 6.6%
  • Max APR: 18.5%
  • Loan Duration: 1-12 months ⌛

Services & Industries

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

Pros

  • Fast decision making
  • Regulated by FCA

Cons

  • Higher APRs

Sources: Source

10. Shawbrook Bank

Shawbrook Bank operates as a specialist lender offering bridging loans with an emphasis on wholesale and network partnerships. It suits franchise buyers and businesses looking for streamlined digital processes with limited loan product variations. The bank focuses on balance between speed and thorough case management across loan applications.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,500,000
  • Min APR: 6.5%
  • Max APR: 16%
  • Loan Duration: 3-24 months ⌛

Services & Industries

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

Pros

  • Strong digital processes
  • Excellent case handling

Cons

  • Limited loan product variety

Sources: Source

How to choose

When selecting the best lender to secure a 200k to 250k bridging loan, start by matching your required loan size and APR within your budget. Consider the lender’s eligibility criteria carefully, including loan-to-value and collateral requirements. Balance the need for speed against the flexibility in loan terms and repayment options. Pay attention to whether the lender is a direct provider or a broker, as this can impact the range of products and processing times. Ensure the loan repayments fit your franchise’s cash flow and seasonal cycles. Always review any fees or early repayment conditions before committing.

Conclusion

Choosing the right lender depends on your specific use case and loan needs. Banks typically offer structured products with clear criteria but may be less flexible. Brokers can provide broader market access and loan variety, which may suit complex or specialist requirements. Specialised lenders often focus on niche sectors with tailored offerings. Funding Agent is a practical option for SMEs seeking a quick comparison across multiple sources. For a 200 thousand pounds loan, assess each provider’s strengths against your purpose and financial situation before applying.

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FAQs

What is a bridging loan and how does it work?
Who can apply for a bridging loan between £200k and £250k?
What are the typical interest rates for bridging loans of this amount?
How quickly can I get approved for a bridging loan?
What are the common requirements to secure a bridging loan from £200k to £250k?
Can I use a bridging loan for any property type in the UK?

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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
2KIS FinanceKIS Finance is an independent finance broker specializing in bridging loans and commercial loans with a reputation for competitive rates.£100,000–£1,000,000; 6.35%–12.5% APR; 3-30 years
3Fluent MoneyFluent Money is a leading UK broker offering a variety of finance solutions including bridging loans tailored for unique business needs.£50,000–£500,000; 5.5%–15% APR; 1-25 years
4The Loans EngineThe Loans Engine provides specialist finance solutions, including bridging loans, helping clients across the UK with unique financing needs.£25,000–£250,000; 5.5%–14.5% APR; 2-30 years
5Belgravia Property FinanceBelgravia Property Finance offers bespoke finance solutions primarily in the real estate sector, managing high-value loans efficiently.£50,000–£150,000,000; 3.2%–6.5% APR; 6-24 months
6Vibe FinanceVibe Finance specializes in commercial and residential bridging loans, focusing on investment properties with tailored service offerings.£25,000–£5,000,000; 6%–14% APR; 1-12 months
7Blue Square CapitalBlue Square Capital provides fast bridging finance solutions against both residential and commercial properties across the UK.£25,000–£2,000,000; 6%–24% APR; 6-15 months
8Trinity Specialist FinanceTrinity Specialist Finance is a broker providing competitive bridging loans and development finance solutions.£50,000–£2,500,000; 7.4%–20% APR; 12-36 months
9Rapid BridgingRapid Bridging offers quick and efficient bridging loans, focusing on providing short-term finance solutions for residential and commercial needs.£125,000–£15,000,000; 6.6%–18.5% APR; 1-12 months
10Shawbrook BankShawbrook Bank is a specialty lender offering bridging loans with a focus on wholesale and network partnerships across the UK.£50,000–£2,500,000; 6.5%–16% APR; 3-24 months
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