January 22, 2026
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Best Lenders to Secure a 230k Bridging Loan

Best Lenders to Secure a 230k Bridging Loan

Discover the best lenders to secure a £230,000 bridging loan. Compare rates, terms, and find the right UK lender for fast and flexible bridging finance.
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 230k 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 provides a platform for UK SMEs to compare various business finance options quickly. It typically serves franchise buyers and small businesses needing working capital with unsecured or asset-backed loans. The service is known for its fast application process, flexible options, and straightforward eligibility checks 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. Octopus Property

Octopus Property specialises in real estate finance, offering tailored lending solutions for residential and commercial property projects. It suits franchise buyers or property investors looking for bespoke funding with flexible terms. Services typically include competitive rates with variable loan-to-value options and a range of repayment types.

Loan Details

  • Min Amount: £300,000
  • Max Amount: £25,000,000
  • Min APR: 7.49%
  • Max APR: 8.99%
  • Loan Duration: Up to 36 months ⌛

Services & Industries

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

Pros

  • Flexible loan terms
  • Specialist in real estate

Cons

  • Higher minimum loan size

Sources: Source

3. United Trust Bank

United Trust Bank focuses on asset finance and building development loans for businesses. It fits borrowers looking for competitive rates on secured loans for property projects or business growth. The bank offers a variety of repayment options with moderate loan durations and is suited for those requiring reliable, structured financing.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.58%
  • Max APR: 0.72%
  • Loan Duration: 6-12 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Development finance
  • Industries: Construction, Property Development

Pros

  • Competitive interest rates
  • Comprehensive solutions

Cons

  • Limited to high-value investments

Sources: Source

4. Brickflow

Brickflow acts as a digital marketplace connecting borrowers with specialist property finance lenders. It is especially suitable for property investors or developers seeking access to a broad lender network. The platform often supports competitive lending rates and varied security options, although loan terms and durations can vary.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £5,000,000
  • Min APR: 5.7%
  • Max APR: 13.2%
  • Loan Duration: Unknown ⌛

Services & Industries

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

Pros

  • Wide lender access
  • Competitive rates

Cons

  • Primarily online services

Sources: Source

5. Albatross Capital

Albatross Capital provides bespoke finance solutions focused on the property sector, offering speed and adaptability. It suits property developers and investors requiring tailored funding packages with various repayment structures. The lender emphasises flexible terms, catering to a range of development and refurbishment projects.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £2,500,000
  • Min APR: 8.9%
  • Max APR: 12%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Refurbishment finance
  • Industries: Property Development

Pros

  • Tailored finance solutions
  • Fast processing

Cons

  • High APR

Sources: Source

6. Aspen Bridging

Aspen Bridging specialises in fast, flexible bridging finance aimed at real estate development across the UK. It meets the needs of borrowers requiring quick access to funds for various project types, with competitive lending rates and adaptable repayment options. The provider supports loans secured on property with typically short to medium durations.

Loan Details

  • Min Amount: £200,000
  • Max Amount: £15,000,000
  • Min APR: 0.49%
  • Max APR: 0.79%
  • Loan Duration: 10-18 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Ground-up development
  • Industries: Real Estate Development

Pros

  • Fast processing
  • Competitive rates

Cons

  • Minimum loan size may be high

Sources: Source

7. Market Financial Solutions

Market Financial Solutions offers specialist bridging loans and buy-to-let mortgages with fast, flexible terms. It targets borrowers seeking tailored property finance solutions, often with brokered access to various lending products. Their services focus on speed and adaptability, accommodating different loan sizes and repayment structures to suit property transactions.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £20,000,000
  • Min APR: 4.99%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Bridging loans, Buy-to-let mortgages
  • Industries: Real Estate

Pros

  • Fast funding solutions
  • Specialist provider

Cons

  • Limited to substantial loans

Sources: Source

8. Together Money

Together Money provides straightforward lending options for mortgages, bridging, and secured loans, suitable for diverse client needs. It typically serves franchise buyers and property investors needing approachable finance with adaptable terms. The lender focuses on flexibility and service, with varied loan durations and APRs aligned with borrower profiles.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 7.9%
  • Max APR: 9.35%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Bridging loans, Secured loans
  • Industries: Real Estate, Business

Pros

  • Approachable service
  • Common-sense lending

Cons

  • Varied APR depending on individual rates

Sources: Source

9. Clifton Private Finance

Clifton Private Finance delivers high-quality bridging and business loan solutions focusing on personal service and client goals. It suits borrowers needing flexible loans often backed by property security, with options tailored to individual business or property needs. The provider emphasises ease of access and a broad finance range.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £25,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 3-24 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Business loans
  • Industries: Real Estate, SMEs

Pros

  • Personalized service
  • Wide range of finance options

Cons

  • Higher interest rates for unsecured

Sources: Source

10. Apex Bridging

Apex Bridging offers short-term bridging finance solutions with a focus on speed and high loan-to-value lending. It typically serves property investors and franchise buyers needing rapid funds for various property types. The lender emphasises quick approvals and flexible repayment plans tailored to project requirements.

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 loans
  • Industries: Real Estate

Pros

  • Quick approval
  • High LTV options

Cons

  • High APR

Sources: Source

How to choose

When securing a bridging loan around £230,000, consider loan size, APR, and repayment flexibility to match your specific needs. Assess eligibility criteria closely to ensure the lender suits your situation, whether for property purchase, development, or operational funding. Prioritise lender speed if timing is critical, but balance this against transparency on fees and loan terms. Evaluate if security requirements and maximum loan-to-value ratios fit your project. Lastly, review early repayment policies and broker involvement to optimise access and cost.

Conclusion

Choosing the right lender depends on the loan purpose and borrower profile. Banks often suit larger, structured financing needs with competitive rates, while brokers can provide access to multiple specialist lenders with flexible terms. Specialist bridging lenders focus on speed and tailored loans for property projects or short-term cash flow. Funding Agent remains a useful tool for SMEs seeking swift comparisons across diverse finance options. Always review all terms carefully to ensure the loan matches your financial strategy.

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FAQs

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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
2Octopus PropertyOctopus Property offers specialist lending services focusing on real estate finance, providing bespoke solutions to meet client needs in residential and commercial sectors.£300,000–£25,000,000; 7.49%–8.99% APR; Up to 36 months
3United Trust BankUnited Trust Bank provides a wide range of asset finance and building development loans, known for its competitive rates and comprehensive financing solutions.£100,000–£5,000,000; 0.58%–0.72% APR; 6-12 months
4BrickflowBrickflow operates as a digital marketplace for specialist property finance, offering access to a wide network of lenders and helping clients secure competitive rates for their property investments.£75,000–£5,000,000; 5.7%–13.2% APR; Unknown
5Albatross CapitalAlbatross Capital specializes in bespoke financing solutions, offering flexibility and speed for property developers and investors across various sectors.£100,000–£2,500,000; 8.9%–12% APR; Up to 24 months
6Aspen BridgingAspen Bridging offers rapid and flexible bridging finance solutions, catering to a broad range of development needs in the UK real estate market.£200,000–£15,000,000; 0.49%–0.79% APR; 10-18 months
7Market Financial SolutionsMFS is a specialist lender providing bespoke bridging loans and buy-to-let mortgages, offering fast and flexible financial solutions for property transactions.£50,000–£20,000,000; 4.99%–0% APR; Flexible
8Together MoneyTogether Money provides common-sense lending solutions for mortgages, bridging loans, and secured loans, known for its approachable and flexible funding options.£5,000–£500,000; 7.9%–9.35% APR; Varies
9Clifton Private FinanceClifton Private Finance provides high-quality bridging loan and business finance solutions, dedicated to helping clients achieve their financial goals with ease and personal service.£50,000–£25,000,000; 7%–20% APR; 3-24 months
10Apex BridgingApex Bridging is among the UK's leading providers of short-term bridging finance, offering quick solutions and high LTV options for various property types.£75,000–£1,000,000; 0.95%–1.33% APR; 3-12 months
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