January 22, 2026
Lists
Square image with a black border and white background
Best Lenders to Secure a 220k Bridging Loan

Best Lenders to Secure a 220k Bridging Loan

Discover the best lenders to secure a £220,000 bridging loan. Learn about rates, terms, and how to choose the right bridging finance for your needs.
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Lenders to Secure a 220k 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 various business finance options through a streamlined application process. It is suitable for franchise buyers and SMEs seeking accessible unsecured funding with transparent eligibility. The provider offers flexible repayment options, speedy decisions, and does not require collateral, supporting diverse business needs.

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 and development loans, catering to property professionals and investors needing short-term funds. It suits franchise buyers and borrowers seeking medium to large loans with competitive rates and flexible term lengths. The lender offers tailored products with focus on property-backed security and broker-led access.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0.95%
  • Max APR: 0.99%
  • Loan Duration: 3–24 months

Services & Industries

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

Pros

  • Competitive rates
  • Flexible terms

Cons

  • High minimum loan amount

Sources: Source Source

3. Funding 365

Funding 365 offers innovative revenue-based business loans without traditional APRs, focusing on flexible repayments tied to business income. It is suitable for SMEs seeking funding that adapts to cash flow variability rather than fixed payment schedules. Speed and ease of access are key considerations, though full loan details are limited publicly.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Revenue-Based Finance, Business Loan
  • Industries: Finance

Pros

  • No APRs
  • Flexible repayments

Cons

  • Limited loan information available

Sources: Source

4. United Trust Bank (UTB)

United Trust Bank (UTB) provides bridging loans focusing on both regulated and unregulated products with reduced rates and financing flexibility. It suits borrowers looking for short-term property finance with quick access to funds and options for varied loan-to-value ratios. The lending process emphasises speed and product differentiation based on regulatory status.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £0
  • Min APR: 0.58%
  • Max APR: 0.75%
  • Loan Duration: 1–12 months

Services & Industries

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

Pros

  • Low interest rates
  • Flexible products

Cons

  • Focused primarily on bridging loans

Sources: Source

5. Precise Mortgages

Precise Mortgages is a specialist lender focused on residential and bridging finance with flexible loan terms. It is suited for property buyers and refinancers seeking short to medium-term loans with adaptable conditions. This lender emphasises tailored solutions without fixed public details on amounts or rates.

Loan Details

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

Services & Industries

  • Finance Types: Bridging Loan, Residential Loan
  • Industries: Finance, Real Estate

Pros

  • Specialized in bridging loans
  • Flexible loan terms

Cons

  • Limited public loan detail

Sources: Source

6. Shawbrook Bank

Shawbrook Bank delivers a range of business loans including unsecured options, targeting SMEs with specific funding needs. It fits borrowers requiring fixed interest rates and long-term support with competitive pricing. The bank emphasises business lending expertise and flexibility for various sectors.

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: Business Loan, Unsecured Business Loan
  • Industries: Finance, Small Business

Pros

  • Fixed interest rates
  • Business specific support

Cons

  • Potentially high APR

Sources: Source

7. West One Loans

West One Loans specialises in bridging and commercial loans for residential and semi-commercial properties, offering competitive rates. The lender suits borrowers needing large loan amounts with variable terms and flexible structures. Accessibility and product variety support a range of finance needs in property sectors.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £30,000,000
  • Min APR: 1.1%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • Specialist lending solutions
  • Competitive rates

Cons

  • Varied rates by product type

Sources: Source

8. Apex Bridging

Apex Bridging delivers short-term bridging loans with quick funding decisions, focusing on competitive rates and speed. It suits borrowers needing fast access to capital for property development or purchase. The lender offers straightforward products with an emphasis on efficiency and no exit fees.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £1,000,000
  • Min APR: 0.95%
  • Max APR: 1.33%
  • Loan Duration: 3–12 months

Services & Industries

  • Finance Types: Bridging Loan
  • Industries: Finance, Property Development

Pros

  • Fast funding
  • No exit fees

Cons

  • Higher rates over longer terms

Sources: Source

9. Together

Together provides a broad selection of bridging and secured loans, serving business and personal clients with flexible lending options. It is suitable for those who require adaptable financing solutions across varied collateral types. The provider focuses on customised arrangements rather than fixed loan parameters.

Loan Details

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

Services & Industries

  • Finance Types: Bridging Loan, Secured Loan
  • Industries: Finance, Real Estate

Pros

  • Flexible terms
  • Wide range of products

Cons

  • Limited detail on rates

Sources: Source

10. LendInvest

LendInvest offers bridging, development, and buy-to-let loans designed for property investors and landlords seeking tailored finance solutions. It is appropriate for franchise buyers and property professionals looking for competitive rates and adaptable terms. The lender provides flexibility in loan durations and repayment structures.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0.7%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

  • Finance Types: Bridging Loan, Development Loan, Buy-to-Let Loan
  • Industries: Finance, Real Estate

Pros

  • Tailored for property investors
  • Competitive rates

Cons

  • Variable loan terms

Sources: Source

How to choose

When considering a 220k bridging loan, assess the loan size and APR in relation to your business's repayment capacity. Look for lenders offering flexible terms that align with your cash flow and property value. Evaluate eligibility criteria carefully, including collateral requirements and loan-to-value limits. Consider the speed of funding especially if timing is critical for your franchise purchase or refinance. Also, review fees and early repayment conditions to avoid unexpected costs. Comparing broker-led options against direct lenders can help find the best fit for your financing needs.

Conclusion

Choosing the right lender depends on your specific needs and loan purpose. Banks often provide structured lending with clear terms for secured finance, while brokers can offer access to a wider range of specialist products. Specialist lenders may offer flexible solutions but can vary in terms and availability. For those seeking quick comparisons and accessible unsecured options, Funding Agent remains a reliable starting point. Always verify current rates and product details directly with the lender before proceeding with a 200 thousand pounds loan.

Table of Contents

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is a bridging loan?
How can I secure a £220k bridging loan?
What are the typical interest rates for bridging loans?
Which lenders are best for bridging loans in the UK?
How long does it take to get a bridging loan approved?
What risks should I be aware of when taking a bridging loan?

Get Funding For
Your Business

Generate offers
Cta image
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 offers bridging loans from £50k to £10m, reputable for competitive rates and flexible terms in the UK.£50,000–£10,000,000; 0.95%–0.99% APR; 3–24 months
3Funding 365Funding 365 provides fast business loans with unique repayment terms based on revenue, removing the traditional APR structure.£100,000–£500,000; 0%–0% APR; Unknown
4United Trust Bank (UTB)UTB offers bridging loans with reduced rates for both regulated and unregulated products, emphasizing flexibility and quick funding.£100,000–£0; 0.58%–0.75% APR; 1–12 months
5Precise MortgagesSpecialist lender Precise Mortgages offers residential and bridging finance, with loan terms up to 18 months.£0–£0; 0%–0% APR; 1–18 months
6Shawbrook BankShawbrook Bank supports SMEs with a range of business lending products, featuring competitive rates and flexible funding options.£25,000–£350,000; 14.1%–14.1% APR; 1–5 years
7West One LoansWest One Loans provides specialist lending solutions including bridging loans with competitive rates for residential and semi-commercial properties.£75,000–£30,000,000; 1.1%–0% APR; Variable
8Apex BridgingApex Bridging specializes in quick bridging loans up to £1m, with short term availability and competitive rates.£75,000–£1,000,000; 0.95%–1.33% APR; 3–12 months
9TogetherTogether provides a wide range of bridging loans and secured loans for businesses and personal clients, known for its flexible lending approach.£0–£0; 0%–0% APR; Unknown
10LendInvestLendInvest offers bridging, development, and buy-to-let loans with competitive rates tailored for property investors and landlords.£0–£0; 0.7%–0% APR; Variable