Best Lenders to Secure a 20k 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 2026-02-12.
Funding Agent offers a streamlined platform for UK SMEs to compare various business finance options, including bridging loans. It is suitable for those needing clear and fast access to multiple financing solutions with straightforward terms. The service emphasises a simple application process with quick eligibility checks, catering to businesses without requiring 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
Lender A specialises in bridging loans primarily in the real estate and construction sectors. It is aimed at borrowers looking for flexible finance solutions, although some details remain unavailable. The lender focuses on quicker processes, suitable for property purchase or development projects where speed and adaptability matter.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: bridging loans
- Industries: Real Estate
Cons
- Limited information available
Lender B is a lender offering a range of loan products including bridging loans tailored for SMEs. It suits borrowers seeking options for working capital or short-term finance, with flexible repayment types and moderate APRs. They serve industries such as retail and manufacturing, providing competitive loan terms.
Loan Details
- Min Amount: £5,000
- Max Amount: £200,000
- Min APR: 6%
- Max APR: 18%
- Loan Duration: 3-18 months ⌛
Services & Industries
- Finance Types: bridging loans, SME loans
- Industries: Retail, Manufacturing
Lender C specialises in short-term bridging loans designed to meet urgent financing needs. It is well-suited for businesses requiring quick access to funds, typically with shorter loan durations. Collateral and other security factors may vary depending on the loan agreement.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 7.5%
- Max APR: 25%
- Loan Duration: 6-12 months ⌛
Services & Industries
- Finance Types: bridging loans
- Industries: Construction, Technology
Lender D provides specialised bridging loans focused on property investment and development. It is tailored for borrowers with secured asset needs, offering medium-term durations and potentially lower APRs. Suitability often depends on collateral and project type.
Loan Details
- Min Amount: £20,000
- Max Amount: £500,000
- Min APR: 5.5%
- Max APR: 19.5%
- Loan Duration: 12-24 months ⌛
Services & Industries
- Finance Types: bridging loans, property loans
- Industries: Property Development
Cons
- Strict eligibility criteria
Lender E offers competitive bridging loans with an emphasis on customer service. It suits businesses seeking flexible financing options for expansion or working capital. Terms may vary, but the lender focuses on responsiveness and support throughout the loan process.
Loan Details
- Min Amount: £15,000
- Max Amount: £350,000
- Min APR: 6.5%
- Max APR: 22%
- Loan Duration: 9-18 months ⌛
Services & Industries
- Finance Types: bridging loans, business expansion loans
- Industries: Hospitality, Retail
Lender F provides a diverse range of loans including bridging and personal loans. It is suitable for borrowers requiring competitive rates and moderate loan amounts. The lender often serves healthcare and education sectors and offers flexibility on loan terms and repayment options.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 5%
- Max APR: 15%
- Loan Duration: 3-12 months ⌛
Services & Industries
- Finance Types: bridging loans, personal loans
- Industries: Healthcare, Education
Cons
- Lower maximum loan amounts
Lender G focuses on fast bridging loans for urgent business requirements. It serves sectors such as real estate and transport, providing loans designed for quick approval and funding. The lender provides options with variable APR rates suited to critical financing scenarios.
Loan Details
- Min Amount: £25,000
- Max Amount: £400,000
- Min APR: 8%
- Max APR: 24%
- Loan Duration: 6-15 months ⌛
Services & Industries
- Finance Types: bridging loans
- Industries: Real Estate, Transport
Lender H provides tailored lending solutions including bridging loans for business growth. It focuses on sectors like agriculture and logistics, offering customised loan products with flexible terms. Borrowers can expect a personalised approach with various repayment structures.
Loan Details
- Min Amount: £10,000
- Max Amount: £300,000
- Min APR: 6.9%
- Max APR: 21%
- Loan Duration: 5-20 months ⌛
Services & Industries
- Finance Types: bridging loans, business growth loans
- Industries: Agriculture, Logistics
Lender J is a competitive UK lender offering bridging loans and debt consolidation products. It suits borrowers requiring flexible solutions with attractive APR rates. The lender serves manufacturing and other sectors, with options varying by collateral requirements and loan terms.
Loan Details
- Min Amount: £20,000
- Max Amount: £450,000
- Min APR: 5.8%
- Max APR: 20.2%
- Loan Duration: 6-24 months ⌛
Services & Industries
- Finance Types: bridging loans, debt consolidation loans
- Industries: Manufacturing
Cons
- Financing less accessible without collateral
How to choose
When choosing a lender for a 20k bridging loan, consider the loan size, interest rates, and repayment flexibility to fit your financial situation. Check each lender's eligibility criteria and the speed of application and funding. Factor in the need for collateral or security and the typical loan-to-value bands offered. Evaluate fees, early repayment terms, and whether loans are brokered or direct. Balancing speed with loan flexibility helps meet cash flow and seasonal needs of your franchise.
Conclusion
Choosing the right lender depends on your specific needs. Banks often provide traditional loans with stricter requirements and longer processes. Brokers can offer access to multiple lenders and flexible options. Specialist lenders focus on bridging finance, typically for property and short-term needs. Funding Agent remains a useful starting point for quick, multiple comparisons. Always verify current terms as offerings for a 200 thousand pounds loan can change.
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