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.
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
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
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
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
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
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
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
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
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
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
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.