Best Lenders to Secure a 240k 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 offers a platform for UK SMEs to compare business finance options with an emphasis on speed and simplicity. It is typically suited for franchise buyers and operators seeking unsecured business loans and working capital. The provider features a streamlined application process without collateral requirements and provides a range of repayment structures.
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 focuses on bridging finance solutions mainly for property purchases and refinances. It suits franchise buyers and property investors who require rapid decisions and flexible loan terms. The lender provides bridging loans secured on property with a straightforward repayment structure and no early redemption fees.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3-24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, Commercial
Pros
- Fast decisions
- No exit or early redemption fees
Funding 365 provides flexible bridging loans without fixed terms or mandatory monthly repayments. This provider is suitable for borrowers who require adaptable repayment arrangements and have varying loan needs. It specialises in options where security and APR details may be less defined but where flexibility matters most.
Loan Details
- Min Amount: £0
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Various
Pros
- No fixed monthly payments
- Flexible terms
Shawbrook Bank is a specialist lender focusing on bridging loans for property transactions. It is suited to franchise buyers and investors needing competitive rates and high loan-to-value options. The bank offers a range of loan durations with repayment types typically secured on real estate collateral.
Loan Details
- Min Amount: £50,000
- Max Amount: £25,000,000
- Min APR: 0.79%
- Max APR: 0%
- Loan Duration: Up to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate
Pros
- Competitive rates
- High LTV options
Precise Mortgages offers residential mortgages and bridging finance tailored to property-related transactions. Suitable for franchise buyers requiring straightforward financing, the provider emphasises simple terms and typical repayment options secured on real estate. Loans are usually arranged with consideration of exit fees and repayment flexibility.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1-18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, Mortgage
Pros
- No exit fees
- No early repayment charges
KIS Finance acts as an independent broker offering various finance options, including bridging and commercial loans. It typically serves those needing brokering services for competitive rates across multiple sectors. The firm supports flexibility in loan structuring and works with both individual and business clients.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Loans
- Industries: Finance, Consultancy
Pros
- Independent consultancy
- Competitive rates
Cons
- Lack of loan amount specifics
Fluent Money operates as a secured loans broker providing customized lending options through a panel of lenders. This service suits franchise buyers seeking secured and bridging loan possibilities with variable collateral requirements. The broker emphasises personalised solutions adapted to borrower needs and available lender offerings.
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
- Extensive lender panel
- Personalized solutions
Cons
- Loan availability depends on approval
The Loans Engine specialises in brokering finance across residential and commercial lending products. It is generally suited for franchise buyers requiring a broad range of loan types, including secured and commercial mortgages. The broker offers access to diverse loan options with various terms and repayment structures.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 2-30 years ⌛
Services & Industries
- Finance Types: Commercial Mortgages, Secured Loans
- Industries: Finance, Real Estate
Pros
- Diverse loan options
- Fast decision making
Cons
- Longer loan approval process
Belgravia Property Finance provides finance focused on property development projects for commercial and residential clients. It typically fits franchise buyers or developers seeking specialised bridging loans with competitive cost structures. The provider emphasises lower-cost funding options with tailored solutions for real estate investment.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 3.24%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Property Development, Real Estate
Pros
- Low cost solutions
- Specialized finance
Cons
- Limited transparency on amounts
Vibe Finance is a specialist broker offering secured loans and mortgage solutions for residential and commercial investments. It targets borrowers needing tailored lending solutions with flexible terms. The provider offers competitive rates and works within specified loan durations for property investment financing.
Loan Details
- Min Amount: £200,000
- Max Amount: £0
- Min APR: 4.7%
- Max APR: 8.2%
- Loan Duration: 26 Months ⌛
Services & Industries
- Finance Types: Secured Loans, Commercial Mortgages
- Industries: Property Investment, Finance
Pros
- Competitive rates
- Tailored solutions
How to choose
When seeking to secure a bridging loan around 240 thousand pounds, consider your loan amount and repayment capacity carefully. Assess the APR and compare fees to ensure they fit your budget over the desired loan period. Evaluate lender turnaround times and eligibility requirements to match your urgency and credit profile. Review whether the loan requires collateral and understand the security needs, especially for property-secured loans. Decide if you prefer a direct lender or a broker who can offer multiple options. Always check the terms for early repayment and exit fees before committing.
Conclusion
Choosing the right lender depends on your specific financing needs. Banks like Shawbrook offer direct bridging loans with competitive rates, while brokers such as KIS Finance or the Loans Engine provide access to a variety of lenders and loan products. Specialists tend to focus on niche sectors or property development. Funding Agent remains a reliable option for quick comparisons across multiple lending sources. Matching the provider type to your borrowing purpose can simplify the borrowing process for a 200 thousand pounds loan.