January 22, 2026
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Best Lenders to Secure a 210k Bridging Loan

Best Lenders to Secure a 210k Bridging Loan

Discover the top lenders offering £210,000 bridging loans in the UK. Learn about rates, terms, and how to secure quick, flexible bridging finance today.
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

Best Lenders to Secure a 210k 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 rapid comparison of unsecured business loans for UK SMEs. This lender suits franchises or businesses seeking quick access to working capital with a straightforward application process. Solutions typically offer flexible eligibility with no collateral and brokered market access for various finance 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 offers bridging loans focusing on larger amounts and clients with adverse credit. It is suited to property purchase, refinance, or bridging needs where speed and credit flexibility are important. The lender provides solutions designed for UK SME borrowers requiring tailored finance on property security.

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 Loans
  • Industries: Finance

Pros

  • Competitive rates
  • Caters to adverse credit cases

Cons

  • Higher rates on second charges

Sources: Source

3. Funding 365

Funding 365 specialises in bridging and development loans offering a broad amount range. It benefits borrowers needing adaptable finance structures for construction or property projects. The lender focuses on efficient service and flexible terms suitable for UK SMEs with evolving funding requirements.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0.39%
  • Max APR: 0.64%
  • Loan Duration: Unknown

Services & Industries

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

Pros

  • Flexible loan terms
  • Competitive rates

Cons

  • Relatively high minimum loan amount

Sources: Source

4. Castle Trust Bank

Castle Trust Bank provides property-backed loans along with various financial services. The lender appeals to borrowers needing tailored finance solutions supported by property security. It is suitable for franchise buyers or investors looking for bespoke lending with a focus on customer service.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Property Loans
  • Industries: Finance

Pros

  • Tailored solutions
  • Strong customer service

Cons

  • Unknown APR and loan maximum

Sources: Source

5. LendInvest

LendInvest offers bridging, development, and buy-to-let finance focused on property investors, developers, and intermediaries. This lender suits borrowers seeking longer-term options with a range of finance types and flexible repayment structures. Typically, LendInvest services clients looking for property-backed loans in commercial and residential sectors.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £750,000
  • Min APR: 3.14%
  • Max APR: 0%
  • Loan Duration: 7-30 years

Services & Industries

  • Finance Types: Bridging Loans, Development Finance, Buy-to-let
  • Industries: Real Estate, Finance

Pros

  • Wide range of finance types
  • Long loan terms available

Cons

  • Requires high minimum loan amount

Sources: Source

6. Precise Mortgages

Precise Mortgages is a specialist lender offering bridging finance designed for both residential and non-residential borrowers. The provider caters to those needing straightforward terms with some flexibility in loan duration. This lender suits applicants requiring bridging finance with standard repayment options and a focus on loan simplicity.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-18 months

Services & Industries

  • Finance Types: Bridging Finance
  • Industries: Finance

Pros

  • Specialized in bridging loans
  • Flexible terms

Cons

  • Unspecified loan amounts and APR

Sources: Source

7. Fluent Money

Fluent Money acts as a secured loan broker, helping clients find competitive bridging loans and secured financing. This service suits borrowers seeking a broad market search to access varied lending products. Brokered access allows for tailored options with a focus on secured finance solutions.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

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

Pros

  • Comprehensive market search
  • Specializes in secured loans

Cons

  • Lack of detailed APR information

Sources: Source

8. United Trust Bank

United Trust Bank offers competitive bridging loans and a range of flexible finance options. It is suited for borrowers seeking property-secured loans with adaptable terms. This lender targets SME clients requiring finance with a focus on speed and flexible repayment.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £0
  • Min APR: 0.58%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Finance

Pros

  • Competitive rates
  • Flexibility

Cons

  • High minimum loan size

Sources: Source

9. Shawbrook Bank

Shawbrook Bank supports SMEs with unsecured and business loans featuring fixed terms and rates. This lender suits borrowers prioritising predictable costs and tailored lending. The offering generally fits franchises or operators requiring fixed interest loans with clear repayment schedules.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 14.1%
  • Max APR: 14.1%
  • Loan Duration: 1-5 years

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Finance

Pros

  • Tailored funding solutions
  • Fixed rates

Cons

  • High minimum APR

Sources: Source

10. Together

Together specialises in mortgage and secured lending with a practical approach that has been consistent since 1974. It is appropriate for borrowers seeking straightforward bridging or mortgage loans, with an emphasis on common-sense lending. This provider typically serves SMEs looking for reliable, secure funding options without complex terms.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

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

Pros

  • Common-sense lending
  • Long-standing reputation

Cons

  • Details on loan amounts and APR not provided

Sources: Source

How to choose

When securing a £210,000 bridging loan, consider lenders based on your loan purpose and security type. Match loan amounts and APR to your financial capacity and project needs. Evaluate eligibility criteria, application speed, and flexibility around repayment options. Ensure clarity on fees, collateral requirements, and loan-to-value ratios. Comparing brokered and direct lender options can provide broader market insight. Always review contract terms before committing.

Conclusion

Choosing the right lender depends on your specific use case and funding needs. Banks often offer structured loans with stringent criteria, suitable for standard borrowing. Brokers provide access to multiple lenders and can offer flexibility for diverse borrower profiles. Specialist lenders focus on niche products with tailored services for unique circumstances. Funding Agent is useful for SMEs seeking quick comparison across multiple options to fit a typical 200 thousand pounds loan. Always verify the most current terms before proceeding.

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FAQs

What is a £210k 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 based in London, offering loans for a variety of purposes with a focus on larger amounts and adverse credit cases.£50,000–£10,000,000; 0.95%–0% APR; 3-24 months
3Funding 365Funding 365 offers competitive bridging and development loans with a wide range of amounts, focusing on efficiency and adaptability for its clients' needs.£50,000–£5,000,000; 0.39%–0.64% APR; Unknown
4Castle Trust BankCastle Trust Bank provides a range of financial services including property investment and savings, with a strong focus on customer service and tailored solutions.£100,000–£0; 0%–0% APR; Unknown
5LendInvestLendInvest offers bridging, development, and buy-to-let finance designed for intermediaries, developers, landlords, and investors.£50,000–£750,000; 3.14%–0% APR; 7-30 years
6Precise MortgagesAs a specialist lender, Precise Mortgages offers straightforward bridging finance with flexible terms aimed at both residential and non-residential customers.£0–£0; 0%–0% APR; 1-18 months
7Fluent MoneyFluent Money is a UK-based secured loan broker specializing in helping clients find the best secured loans with competitive terms.£0–£0; 0%–0% APR; Unknown
8United Trust BankUnited Trust Bank offers a variety of lending solutions with specialization in competitive bridging loans and flexible finance options.£100,000–£0; 0.58%–0% APR; Unknown
9Shawbrook BankShawbrook Bank supports UK SMEs with tailored lending solutions, offering a range of business and unsecured loans with fixed terms and rates.£25,000–£350,000; 14.1%–14.1% APR; 1-5 years
10TogetherTogether offers specialist mortgage and secured loan solutions with a focus on common-sense lending practices since 1974.£0–£0; 0%–0% APR; Unknown