Best Lenders to Secure a 250k 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 providing a fast comparison tool for UK SMEs seeking various business finance options. Its solutions are suitable for businesses looking for quick access to unsecured capital with straightforward eligibility. The platform offers a simple application process aiming for flexible and transparent lending terms 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
Admiral Money provides diverse financial services with tailored lending for individuals and businesses. It is typically suited to clients seeking equipment finance or personal loans with flexible repayment plans. The provider focuses on customised terms and accessibility for various sectors including retail and manufacturing.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 4.9%
- Max APR: 24.9%
- Loan Duration: 12–84 months ⌛
Services & Industries
- Finance Types: Equipment Finance, Personal Loans
- Industries: Retail, Manufacturing
Pros
- Flexible terms
- Wide range of products
Cons
- Higher rates for small amounts
3. Tandem Bank
Tandem Bank provides consumer-oriented loans with a focus on green lending initiatives. It is best suited for borrowers interested in environmentally-conscious borrowing and transparent terms. The bank offers accessible digital channels and tailored finance products for sectors like technology and green energy.
Loan Details
- Min Amount: £10,000
- Max Amount: £100,000
- Min APR: 5.5%
- Max APR: 18.9%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Green Loans, Startup Loans
- Industries: Technology, Green Energy
Pros
- Environmentally friendly options
- Full control via app
Cons
- Limited to residents of UK
Alternative Bridging Corporation specialises in fast and flexible bridging loans primarily for real estate and property development projects. It suits borrowers needing short-term finance secured on property, with an emphasis on quick decision-making and tailored loan structures. The provider supports a range of industries with adaptable terms and brokered access.
Loan Details
- Min Amount: £250,000
- Max Amount: £10,000,000
- Min APR: 0.75%
- Max APR: 2%
- Loan Duration: 3–12 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Real Estate, Construction
Pros
- Speedy process
- High loan amounts
Blue Square Capital focuses on bridging and development loans specific to property projects. It serves clients seeking tailored funding for property development needs. The provider offers competitive rates and loan options shaped by project requirements, including flexible repayment structures.
Loan Details
- Min Amount: £250,000
- Max Amount: £2,000,000
- Min APR: 6%
- Max APR: 24%
- Loan Duration: Up to 15 months ⌛
Services & Industries
- Finance Types: Property Development Loans, Bridging Loans
- Industries: Property Development
Pros
- Tailored solutions
- Low introductory rates
KIS Finance provides independent specialist finance focusing on bridging and business loans. It caters to clients needing bespoke short-term funding with expert brokerage advice. Their offering includes flexible terms designed to accommodate various industry sectors such as retail and real estate.
Loan Details
- Min Amount: £25,000
- Max Amount: £1,000,000
- Min APR: 6.35%
- Max APR: 6.45%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Business Loans
- Industries: Retail, Real Estate
Pros
- Expert advice
- Independent brokerage
Cons
- Interest rates can be high
Market Financial Solutions offers bespoke bridging loans alongside buy-to-let mortgages, focusing on flexibility for property investors. It suits clients seeking variable terms and access to a wide array of mortgage products. Their services emphasise adaptable loan-to-value options and personalised support for property investment needs.
Loan Details
- Min Amount: £100,000
- Max Amount: £0
- Min APR: 3.99%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Mortgages
- Industries: Property Investment, Real Estate
Pros
- No upper loan limit
- Flexible terms
Shawbrook Bank specialises in tailored finance solutions for SMEs, including unsecured business loans and asset financing. It is aimed at firms requiring adaptable funding structures with flexible repayment options. The bank’s products are designed to accommodate a variety of sectors with consideration for credit risk.
Loan Details
- Min Amount: £25,000
- Max Amount: £350,000
- Min APR: 4%
- Max APR: 0%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Unsecured Business Loans, Asset Financing
- Industries: SME, Various
Pros
- High loan limits
- No early settlement fees
Cons
- Higher risk for unsecured loans
Hank Zarihs Associates delivers tailored bridge financing solutions through a broad network of funders. It is suited for clients requiring flexible, brokered access to capital without standardised rate disclosures. The firm supports a range of sectors including real estate and construction with a focus on bespoke loan arrangements.
Loan Details
- Min Amount: £100,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Real Estate, Construction
Pros
- Wide network of funders
- Tailored solutions
Cons
- Rate information less publicized
Precise Mortgages specialises in bridging loans and buy-to-let mortgage products, targeted at residential and semi-commercial property markets. It is suitable for borrowers needing tailored mortgage solutions with competitive rates based on property type and complexity. The provider focuses on flexible loan terms and a diverse range of mortgage options.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0.69%
- Max APR: 5.64%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Bridging Loans, Buy-to-Let Mortgages
- Industries: Residential, Buy-to-Let
Pros
- Competitive rates
- Diverse product range
Cons
- Rates depend on complexity
How to choose
When seeking the best lender for a 250k bridging loan, consider loan size, APR, and repayment terms carefully. Evaluate eligibility criteria and any required security or collateral. Balance speed of funding with the flexibility of terms like loan duration and early repayment options. Factor in how repayments will align with your cash flow, especially considering business seasonality. Review lender fees and confirm all costs before applying. Choosing the right lender often depends on the purpose, whether for property purchase, refinance, or working capital.
Conclusion
Selecting the appropriate lender depends on your specific needs and financial context. Banks often provide standardised products suitable for established businesses, while brokers can offer broader access to specialist lenders with niche solutions. Independent and specialist lenders may deliver more tailored terms for complex or high-value bridging loans. Funding Agent is a strong choice for SMEs seeking quick comparisons across multiple options. For a bridging loan around 250 thousand pounds, align the lender type with your loan purpose, collateral availability, and desired repayment structure.
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