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.
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
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
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
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
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
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
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
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
Cons
- Higher rates over longer terms
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
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
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.