April 14, 2026
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Best Lenders to Secure a 290k Bridging Loan

Discover the best lenders offering £290,000 bridging loans in the UK. Get quick, reliable funding options to bridge your financial needs with ease.
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Best Lenders to Secure a 290k Bridging Loan
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Lenders to Secure a 290k 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.

1. Funding Agent

Funding Agent focuses on providing fast comparisons for various business finance options. It is typically suitable for UK SMEs seeking accessible lending with a straightforward application and quick decision times. Their offerings often include unsecured finance options accessible without collateral, providing flexibility for diverse business needs.

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. MT Finance

MT Finance concentrates on bridging loans and property finance across the UK. It is well suited for borrowers needing quick access to funds for commercial and individual property purchases or refinancing. MT Finance offers flexible terms and typically works with secured lending products where the property acts as collateral.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0.45%
  • Max APR: 1.5%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Commercial mortgages
  • Industries: Property development, Construction

Pros

  • Fast funding
  • No early repayment charges

Cons

  • High interest rates
  • Short terms

Sources: Source

3. Funding 365

Funding 365 provides tailored property finance including bridging and development loans. It mainly serves UK businesses requiring property-backed funding with an emphasis on adaptable lending solutions. Their offers often involve structured loans secured against property assets, catering to moderate term requirements.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.64%
  • Max APR: 1.2%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Development loans
  • Industries: Property investment, Real estate

Pros

  • Competitive rates
  • Flexible lending solutions

Cons

  • Limited loan types
  • Short-term only

Sources: Source

4. Hampshire Trust Bank

Hampshire Trust Bank offers specialist commercial and bridging finance solutions tailored to UK businesses. It suits borrowers seeking larger secured loans with personalised service. Their products generally involve collateralised lending with flexible repayment structures and a range of loan durations.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0.5%
  • Max APR: 1.4%
  • Loan Duration: 6 to 36 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Development finance, Asset Finance
  • Industries: Development, Healthcare, Transportation

Pros

  • Large loan amounts
  • Personalized service

Cons

  • Strict eligibility criteria
  • Higher APR for riskier propositions

Sources: Source

5. Goldentree Financial Services

Goldentree Financial Services specialises in secured short-term lending for businesses seeking rapid finance. The provider is suited to firms requiring asset-backed loans with straightforward terms. Their focus includes fast access to funds with secured lending structures and shorter repayment periods.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 18 months ⌛

Services & Industries

  • Finance Types: Secured short-term loans, Commercial development finance
  • Industries: Legal, Financial services, Real estate

Pros

  • Specialist in quick funding
  • High loan limits

Cons

  • High interest rates
  • Only secured options

Sources: Source

6. Hana Capital

Hana Capital provides bespoke bridging loans with terms customised to borrower requirements. It is ideal for borrowers seeking rapid funding with tailored repayment plans. The lender generally operates with secured loans, focusing on flexibility and faster decision frameworks.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £50,000,000
  • Min APR: 0.89%
  • Max APR: 1.3%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Manufacturing, Real estate, Healthcare

Pros

  • Fast processing
  • Customizable terms

Cons

  • High entry-level loan amounts
  • Limited loan duration options

Sources: Source

7. Haslebrow

Haslebrow provides bridging finance solutions focused on investor and business client needs. It suits borrowers requiring quick loan decisions and adaptable terms. Their lending typically involves secured loans with options tailored for short-term financing requirements.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £2,500,000
  • Min APR: 1%
  • Max APR: 1.6%
  • Loan Duration: 1 to 12 months ⌛

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Real estate, Construction, Retail

Pros

  • Flexible terms
  • Responsive service

Cons

  • High APR
  • Limited loan duration

Sources: Source

8. Helmsley Group

Helmsley Group offers syndicated property loan investments and short-term bridging finance to a diverse client base. It is suited for borrowers needing property-backed finance with moderate term options. The lender focuses on syndicated lending structures and maintaining flexibility for property investors.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £2,500,000
  • Min APR: 0.89%
  • Max APR: 1.5%
  • Loan Duration: 6 to 18 months ⌛

Services & Industries

  • Finance Types: Syndicated loans, Bridging finance
  • Industries: Property investment, Tourism

Pros

  • Experienced team
  • Attractive interest rates

Cons

  • Limited to property finance
  • Requires syndication

Sources: Source

9. Hope Capital

Hope Capital specialises in short-term bridging loans for commercial and semi-commercial properties throughout the UK. It suits borrowers seeking flexible, property-secured finance with accessible terms. The lender offers quick decision making and caters to clients needing moderate term bridging finance.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.89%
  • Max APR: 1.4%
  • Loan Duration: 3 to 18 months ⌛

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Property investment, Commercial real estate

Pros

  • Flexible loan size
  • Experienced in property lending

Cons

  • Short loan terms
  • High interest rates

Sources: Source

10. Octane Capital

Octane Capital delivers flexible property lending focused on fast turnaround and client service. It targets borrowers requiring bridging or development finance with repayment options suited to property investors. Octane Capital balances speed and adaptability, addressing the needs of experienced lenders.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £10,000,000
  • Min APR: 0.73%
  • Max APR: 1.7%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Development finance
  • Industries: Residential property, Commercial development

Pros

  • Flexible approach
  • No exit fees

Cons

  • Higher interest rates
  • Limited to experienced investors

Sources: Source

How to choose

When seeking to secure a 290k bridging loan, evaluate lenders based on loan size, APR, and term suitability. Consider whether you need rapid access to funds or more flexible repayment options. Confirm if collateral is required and the acceptable loan-to-value ratios. Compare whether the provider acts as a broker, specialist lender, or bank, as this affects application complexity and approval speed. Assess lender eligibility criteria, fees, and potential early repayment charges to suit your franchise's financial flow and schedule.

Conclusion

Selecting the right lender depends on matching your specific loan purpose and size to their expertise—banks often offer security-backed loans, brokers provide multiple options, and specialists cater to niche requirements. For a 290 thousand pounds loan, ensure terms and costs are current by reviewing lender details carefully. Funding Agent remains a practical choice for SMEs seeking quick and clear loan comparisons. Larger or sector-specific needs may call for more specialised providers. Always confirm product terms before committing.

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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
2MT FinanceMT Finance is a leading UK property finance lender specializing in bridging loans and offering solutions to both commercial and individual clients.£50,000–£10,000,000; 0.45%–1.5% APR; 1 to 24 months
3Funding 365Funding 365 offers bespoke property finance solutions including bridging and development loans for UK businesses.£100,000–£5,000,000; 0.64%–1.2% APR; 1 to 24 months
4Hampshire Trust BankHampshire Trust Bank provides specialist lending services, including commercial and bridging finance, to businesses across the UK.£50,000–£10,000,000; 0.5%–1.4% APR; 6 to 36 months
5Goldentree Financial ServicesGoldentree is a specialist lender offering secured short-term lending solutions, catering to businesses seeking quick finance.£100,000–£10,000,000; 0%–0% APR; 1 to 18 months
6Hana CapitalHana Capital offers bespoke bridging loans with flexible terms tailored to client needs, ensuring swift funding for urgent financial requirements.£500,000–£50,000,000; 0.89%–1.3% APR; 1 to 24 months
7HaslebrowHaslebrow offers a range of bridging finance solutions designed for investors and business clients, with a focus on rapid response and flexibility.£100,000–£2,500,000; 1%–1.6% APR; 1 to 12 months
8Helmsley GroupThe Helmsley Group provides syndicated property loan investments and short-term bridging finance, catering to a diversified client base.£250,000–£2,500,000; 0.89%–1.5% APR; 6 to 18 months
9Hope CapitalHope Capital specializes in short-term bridging loans across the UK, focusing on both commercial and semi-commercial properties.£100,000–£5,000,000; 0.89%–1.4% APR; 3 to 18 months
10Octane CapitalOctane Capital offers dynamic property lending solutions focusing on fast, flexible service and extensive industry experience.£250,000–£10,000,000; 0.73%–1.7% APR; 3 to 24 months
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