January 22, 2026
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Best Lenders to Secure a 20k to 50k Bridging Loan

Best Lenders to Secure a 20k to 50k Bridging Loan

Discover the top UK lenders offering bridging loans between £20,000 and £50,000. Compare rates, terms, and find the right short-term loan for your needs.
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 20k to 50k 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 helping UK SMEs quickly compare multiple business finance options through a streamlined application process. It is commonly suitable for franchise buyers and small businesses seeking unsecured loans or working capital. The platform offers quick eligibility checks with options for predictable terms, 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

Sources: Funding Agent

2. MT Finance

MT Finance specialises in bridging finance and commercial mortgages primarily for property buyers and businesses needing short-term funding. It is suitable for borrowers who prioritise competitive rates and flexible terms secured on property. The lender offers relatively quick processing, often catering to clients with adverse credit history.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0.95%
  • Max APR: 0%
  • Loan Duration: 3–24 months ⌛

Services & Industries

  • Finance Types: Bridging Finance, Commercial Mortgage
  • Industries: Property, Commercial

Pros

  • Competitive for adverse credit
  • Quick processing

Cons

  • Higher minimum loan amount

Sources: Source

3. KIS Finance

KIS Finance operates as an independent brokerage specialising in bridging and commercial mortgage loans. It appeals to clients requiring tailored loan solutions for finance or real estate needs. Their services provide access to brokered finance options with varied repayment structures and suitable for borrowers seeking specialist solutions.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 6.35%
  • Max APR: 6.45%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Bridging Loan, Commercial Mortgage
  • Industries: Finance, Real Estate

Pros

  • Low-interest rates for high amounts
  • Fast approval

Cons

  • Complex documentation required

Sources: Source

4. Funding 365

Funding 365 provides flexible business finance primarily to SMEs, with repayments often linked to sales performance rather than fixed schedules. This approach suits businesses with variable cash flow, such as franchise operators. The lender offers customised solutions focusing on adaptability and ease of repayment without fixed APRs.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable based on sales ⌛

Services & Industries

  • Finance Types: Flexi Business Loan, Merchant Cash Advance
  • Industries: Small to Medium Enterprises

Pros

  • No fixed monthly payments
  • Flexible repayment linked to sales

Cons

  • No fixed APR rates

Sources: Source

5. Precise Mortgages

Precise Mortgages specialises in secured bridging finance and mortgages tailored to property and mortgage sector clients. The lender suits borrowers needing flexible short-term finance with bespoke underwriting and options for high loan-to-value ratios. Their products commonly serve property purchase, refinance, and bridging needs with varied repayment terms.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1–18 months ⌛

Services & Industries

  • Finance Types: Residential Mortgage, Bridging Finance
  • Industries: Mortgage, Property

Pros

  • High LTV options
  • No exit fees

Cons

  • Stringent credit checks

Sources: Source

6. Clifton Private Finance

Clifton Private Finance focuses on property and commercial bridging loans with bespoke financial solutions. Suitable for borrowers needing secured loans with competitive rates and efficient turnaround, the lender offers a range of products for property and business finance. They balance speed with tailored underwriting for secured lending.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 3-18 months ⌛

Services & Industries

  • Finance Types: Bridging Loan, Business Loan
  • Industries: Property, Commercial

Pros

  • Specialist in property finance
  • Low rates on secured loans

Cons

  • Higher rates for unsecured loans

Sources: Source

7. MoneySuperMarket

MoneySuperMarket is a price comparison website that aggregates business loans from multiple lenders. It is useful for borrowers who want to compare a broad spectrum of unsecured and secured loan options. The site offers user-friendly tools for those seeking competitive rates and various term lengths.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 29.9%
  • Loan Duration: 3-48 months ⌛

Services & Industries

  • Finance Types: Unsecured Loan, Secured Loan
  • Industries: Financial Comparison

Pros

  • Wide range of lenders compared
  • User-friendly interface

Cons

  • Limited to listed lenders

Sources: Source

8. GoCompare

GoCompare is a comparison platform offering side-by-side views of various business loan and financial products. It benefits those seeking a broad overview of available rates and terms to find the best match. The site does not provide direct loans but facilitates informed choice across lenders.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 11.2%
  • Max APR: 24%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Business Loan, Comparative Financial Service
  • Industries: Financial Comparison

Pros

  • Comprehensive comparison options
  • No charge for comparisons

Cons

  • Does not offer direct loans

Sources: Source

9. Lending Expert

Lending Expert offers brokered access to a wide array of loan products for SMEs and larger businesses across the UK. It is suitable for those seeking diverse finance types including start-up and business loans. The service emphasises expert loan comparison to help find terms that best fit borrower needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 2.9%
  • Max APR: 10.2%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Start-up Loan, Business Loan
  • Industries: Finance, Small Business

Pros

  • Low starting APR
  • Wide range of loan types

Cons

  • Broker fees applicable

Sources: Source

10. Rangewell

Rangewell acts as a business finance brokerage providing access to multiple lenders for commercial and SME loans. It is geared towards borrowers seeking flexible options with tailored advice. Their networked approach supports sourcing loans with a focus on bespoke business finance solutions.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-5 years ⌛

Services & Industries

  • Finance Types: Business Loan, Commercial Finance
  • Industries: Finance, SME

Pros

  • Wide range of finance options
  • Tailored advice

Cons

  • Complex approval process

Sources: Source

How to choose

When seeking a bridging loan between 20,000 and 50,000 pounds, assess the lender's focus and security requirements. Consider whether you need a specialist bridging lender, a broker offering access to multiple options, or a direct provider. Evaluate loan terms, APRs, collateral needs, and repayment flexibility. Match the loan size to your franchise cash flow, factoring in seasonality and any fees. Speed of approval and the lender’s experience with property or business finance may influence your choice. Always verify eligibility criteria and early repayment conditions before applying.

Conclusion

Choosing a lending provider depends on your specific finance needs. Direct specialist lenders typically offer targeted solutions for property or asset-backed loans. Brokers and comparison sites provide access to a broader range of options, suitable for more diverse funding requirements. For borrowers seeking quick and straightforward comparisons of multiple offers, Funding Agent is a reliable place to start. Always confirm current terms and costs as they can change over time.

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FAQs

What is a bridging loan?
Who can apply for a bridging loan between £20,000 and £50,000?
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What types of security are required for a bridging loan?
Are interest rates higher on bridging loans compared to traditional loans?
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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 FinanceAn award-winning bridging finance lender based in London offering competitive rates and flexible terms for property and business finance.£50,000–£10,000,000; 0.95%–0% APR; 3–24 months
3KIS FinanceIndependent specialist finance brokers providing a range of business loans and finance solutions across the UK.£50,000–£500,000; 6.35%–6.45% APR; Unknown
4Funding 365Offers business financing solutions tailored to SMEs with flexible repayment options linked to sales rather than fixed payments.£20,000–£500,000; 0%–0% APR; Variable based on sales
5Precise MortgagesSpecialist lender offering a wide range of mortgage and bridging finance solutions with tailored underwriting processes.£20,000–£10,000,000; 0%–0% APR; 1–18 months
6Clifton Private FinanceProperty and business finance specialists providing customized financial solutions with quick turnaround and low rates.£50,000–£5,000,000; 7%–20% APR; 3-18 months
7MoneySuperMarketA leading price comparison site offering business loan comparisons to help find favorable rates and terms.£10,000–£500,000; 6.9%–29.9% APR; 3-48 months
8GoCompareComparison site helping users compare business loans and financial products to find the best rates available.£1,000–£1,000,000; 11.2%–24% APR; Unknown
9Lending ExpertProvides expert comparison of loans across the UK with a wide range of borrowing options tailored to SMEs and larger businesses.£1,000–£10,000,000; 2.9%–10.2% APR; Unknown
10RangewellBusiness finance experts providing funding solutions from a network of lenders with tailored business finance advice.£5,000–£500,000; 0%–0% APR; 1-5 years
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