Best Lenders to Secure a 260k 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 2026-04-07.
Funding Agent focuses on providing UK SMEs with fast and straightforward access to various business finance options. It is suitable for franchise buyers and operators seeking quick eligibility matching without collateral requirements. The platform emphasises speed and simplicity, offering loans with transparent terms and a range of repayment options.
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 loans for property investors looking for flexible financing. It suits those needing short-term funding for property purchase or refinance with clarity on fees and no early redemption charges. Their offerings typically include transparent terms and a relatively fast application process.
Loan Details
- Min Amount: £10,000
- Max Amount: £5,000,000
- Min APR: 0.64%
- Max APR: 1.5%
- Loan Duration: 3 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Property Development, Commercial Real Estate
Pros
- No early redemption fees
- Fast application process
Funding 365 focuses on bespoke bridging finance solutions for commercial and semi-commercial properties. It is designed for professional property investors and developers seeking flexible loan terms and competitive rates. Loans typically come with adaptable structures catering to specific project needs.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 0.64%
- Max APR: 0.8%
- Loan Duration: 6 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Loans
- Industries: Commercial Real Estate, Property Development
Pros
- Flexible loan terms
- High LTV ratios
Cons
- Limited to property-related loans
Hampshire Trust Bank offers specialist bridging and development finance targeted at commercial property investors and SME borrowers. It is appropriate for those seeking a broad range of loan options with competitive rates and flexible terms. Product offerings may require security and focus on moderate to high LTV lending.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 5.9%
- Max APR: 16.5%
- Loan Duration: 3 to 36 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Loans
- Industries: Commercial Real Estate, Small and Medium Enterprises
Pros
- Competitive rates for high LTV loans
- Wide range of financial products
Cons
- Geographical restrictions
Hope Capital provides bridging finance for property purchase and refinancing across the UK market. It is suitable for borrowers needing relatively short-term loans with transparent fees and swift decisions. The lender focuses on flexibility and straightforward access to development and investment finance.
Loan Details
- Min Amount: £50,000
- Max Amount: £5,000,000
- Min APR: 0.7%
- Max APR: 1.5%
- Loan Duration: 1 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, Development Finance
Pros
- Fast decision making
- Transparent fee structure
LendInvest specialises in property finance including bridging loans aimed at real estate investors and developers. It suits borrowers who need tailored loan structures with competitive rates and relatively quick funding. Their offerings usually require security and are designed for development or investment purposes.
Loan Details
- Min Amount: £75,000
- Max Amount: £7,500,000
- Min APR: 6.5%
- Max APR: 14.9%
- Loan Duration: 3 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Property Investment, Real Estate Development
Pros
- Quick funding process
- Tailored financial solutions
Octopus Real Estate provides specialist bridging and development loans for property professionals handling large-scale projects. It is suitable for experienced investors or firms requiring significant loan amounts with flexible terms. The lender emphasises expert support along with tailored financing solutions.
Loan Details
- Min Amount: £500,000
- Max Amount: £25,000,000
- Min APR: 5%
- Max APR: 13.5%
- Loan Duration: 6 to 36 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Loans
- Industries: Property Development, Commercial Real Estate
Pros
- Significant loan amounts for large projects
- Expert support and flexibility
Cons
- Higher minimum loan amounts
Precise Mortgages offers specialist lending solutions with a focus on bridging finance through intermediary brokers. It's suitable for clients seeking flexible short-term loans secured on property. Loans typically come with no early repayment penalties and a variety of options tailored to different borrower needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £5,000,000
- Min APR: 0.65%
- Max APR: 1.9%
- Loan Duration: 1 to 12 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, SME Finance
Pros
- No early repayment charges
- Wide range of loan options
Cons
- Only available through brokers
Tuscan Capital provides non-regulated short-term bridging loans across various UK real estate sectors. It suits borrowers needing rapid funding with a focus on quick turnaround and flexible conditions. This lender specialises in fast decision-making for both residential and commercial property finance.
Loan Details
- Min Amount: £25,000
- Max Amount: £3,500,000
- Min APR: 0.8%
- Max APR: 1.5%
- Loan Duration: 1 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Residential Real Estate, Commercial Property
Pros
- Specializes in non-regulated loans
- Quick funding solutions
Cons
- Higher interest rates for short-term loans
Masthaven Bank is a lender offering flexible bridging and secured loans, established in 2004. It is suitable for borrowers looking for reliable funding with a variety of lending options and moderate loan sizes. The bank provides tailored finance with clear terms for property-related lending.
Loan Details
- Min Amount: £50,000
- Max Amount: £1,000,000
- Min APR: 6%
- Max APR: 18%
- Loan Duration: 3 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, SME Finance
Pros
- Flexible lending solutions
- Established in the market
Cons
- Plans to exit UK market in the near future
How to choose
When selecting the best lender to secure a 260k bridging loan, consider how loan size and APR fit your budget and repayment capacity. Evaluate eligibility requirements carefully and weigh the trade-offs between application speed and loan flexibility. Ensure that collateral or security conditions match your asset availability. Factor in repayment structures alongside your franchise cash flow and seasonal variations. Also, review lenders' fees and early repayment policies to avoid unexpected costs. Finally, check whether the lender operates directly or via brokers as it may affect access and terms.
Conclusion
Choosing the right lender depends on your specific financing needs and property assets. Banks often offer structured, secured loans better for established borrowers, while brokers and specialists can provide diverse options for niche or urgent requirements. Funding Agent is useful for SMEs seeking quick comparisons across multiple lenders. Consider factors like loan amount, term flexibility, and application speed when matching providers to your interests. Always confirm current terms and eligibility before committing, as conditions can change.
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