Best Lenders to Secure a 280k 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 is a broker focusing on helping UK SMEs quickly compare multiple finance options with an easy application process. It is typically suited for franchise buyers or small businesses seeking unsecured or working capital loans. The platform offers quick eligibility checks and access to a range of finance solutions 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
Hampshire Trust Bank provides a range of bank business loans, including commercial and development finance to UK businesses. It is best suited for borrowers needing tailored lending solutions for property or commercial development. The bank focuses on secured loans, with flexibility based on the client’s needs and assets.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6.49%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Commercial Loans, Development Finance, Bridging Loans
- Industries: Real Estate, Commercial Development
Pros
- Specialist financial solutions
- Competitive rates
Cons
- Limited online information on specific terms
Hope Capital focuses on short-term bridging loans for commercial and semi-commercial property clients across the UK. It is typically used by property investors or developers requiring fast, flexible loans secured on property. Their products accommodate a range of loan-to-value options and repayment types depending on project needs.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 0.79%
- Max APR: 0.95%
- Loan Duration: 3 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Property Investment, Commercial
Pros
- Flexible loan terms
- Wide range of LTV options
Octopus Real Estate offers bridging and development finance targeted at real estate projects in the UK. It is suitable for property developers and investors seeking flexible, tailored loan solutions with quick funding availability. Their lending is secured on property with repayment terms designed to match project timelines.
Loan Details
- Min Amount: £50,000
- Max Amount: £25,000,000
- Min APR: 0.75%
- Max APR: 0.995%
- Loan Duration: 12 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Real Estate, Property Development
Pros
- Fast finance solutions
- Tailored for real estate
Cons
- Term limits may not suit all projects
LendInvest is a digital lender specialising in property finance including bridging and development loans for UK investors and developers. It suits borrowers who value a streamlined online application process and clear product range. LendInvest offers various repayment options and competitive rates tailored to UK property markets.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 8%
- Max APR: 13%
- Loan Duration: 1 to 7 years ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Real Estate, Property Investment
Pros
- Digital platform
- Simple application process
Cons
- Higher APR for some loans
United Trust Bank offers flexible business lending solutions focused on property and commercial sectors. It caters to borrowers needing quick access to funds with finance options that may be secured or unsecured. Loan features vary, and lending is often accessible through brokers or direct applications.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans, Property Finance, Bridging Loans
- Industries: Property, Commercial
Pros
- Flexible finance options
- Strong market reputation
Cons
- Limited public loan details
Precise Mortgages specialises in bridging finance and mortgage solutions for residential and commercial properties across the UK. It is suitable for clients looking for specialist lending through intermediaries. Their loan products offer flexibility in terms, security, and repayment structures.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans, Mortgages
- Industries: Residential, Commercial
Pros
- Specialist lender
- Wide range of loan products
Cons
- Primarily accessible via intermediaries
Oblix Capital provides tailored bridging and development finance for residential and commercial properties throughout the UK. It is aimed at borrowers needing bespoke loan structures with a focus on property security. The lender combines flexibility with focus on property development and investment clients.
Loan Details
- Min Amount: £200,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 18 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Real Estate, Property Development
Pros
- Custom financial solutions
- Focus on property
Cons
- Limited loan information online
Greenfield Mortgages specialises in bridging and short-term finance tailored for property investments across the UK. It serves clients looking for focused real estate finance solutions with efficient processing. The lender offers tailored terms suitable for property investors and developers.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, Property Investment
Pros
- Fast processing
- Real estate-focused
Cons
- Limited long-term solutions
Masthaven Bank provides bridging loans and savings products with a focus on property and finance sectors. It is suited for borrowers seeking a broad loan range and experienced lender services. The bank is currently planning a phased exit from the UK market, which may impact availability.
Loan Details
- Min Amount: £50,000
- Max Amount: £25,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 12 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Finance, Property
Pros
- Experienced lender
- Wide loan range
Cons
- Planned market exit
- Reduced longevity
How to choose
When selecting a lender for a 280k bridging loan, consider the loan size and APR in relation to your budget and project requirements. Evaluate eligibility criteria closely and prioritise lenders offering a balance between application speed and loan flexibility. Pay attention to repayment terms and how they fit your franchise’s cash flow and seasonal cycles. Collateral requirements and loan-to-value ratios can significantly affect your options. Additionally, investigate fees and early repayment conditions before committing.
Conclusion
Choosing the right lender depends on your specific needs and loan purpose. Banks typically offer established lending products suitable for commercial or development finance, while brokers like Funding Agent provide fast access to a wider range of options. Specialist lenders often deliver custom or short-term bridging loans aligned with property investment. For a 280 thousand pounds loan, matching the lender type to your use case and collateral availability is crucial. Always confirm current rates and terms directly with providers; details may change.
.png)
