Best Lenders to Secure a 300k 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 quick comparisons of various business finance options. It is suitable for franchise buyers and operators seeking straightforward application and eligibility processes. The provider offers flexible terms, unsecured options, and fast decisions 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 specialises in commercial and development finance for UK businesses. It typically suits borrowers seeking commercial mortgages or development finance. The bank offers structured loans with clear terms, often requiring security and supporting varied repayment choices.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 to 60 months ⌛
Services & Industries
- Finance Types: Commercial Loans, Development Finance
- Industries: Commercial, Development
Pros
- Specialist bank for businesses
- Diverse loan options
Cons
- Potentially high minimum loan amounts
MT Finance concentrates on short-term and bridging loans for commercial property investments and purchases. It suits borrowers needing quick access to finance to support property acquisition or refinance. Their offerings are generally flexible with a focus on commercial real estate markets.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Finance, Commercial Property
- Industries: Real Estate, Commercial Investments
Pros
- Quick funding
- Covers a wide loan amount range
Cons
- Limited to certain geographical areas
Funding 365 specialises in tailored bridging loans predominantly for commercial property clients. It suits borrowers requiring flexible and bespoke loan terms. The provider focuses on competitive rates and customised lending solutions with a commercial property emphasis.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0.64%
- Max APR: 0%
- Loan Duration: Up to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Real Estate
Pros
- Bespoke rates
- High LTV options
Precise Mortgages provides bridging finance and mortgage products primarily via intermediaries. It is suited for borrowers seeking mortgage-related finance, often for residential or commercial property. The provider offers specialist access but mainly through broker channels with varied terms.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Finance, Mortgages
- Industries: Residential, Commercial
Pros
- Specialist lender
- Wide range of products
Cons
- Intermediary-only applications
Goldentree Financial Services specialises in short-term secured loans, often assisting with quick funding for property-related business needs. It suits borrowers looking for secured financing with streamlined processes. The provider offers transparent loan terms and conducts fast site visits for evaluations.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Secured Loans, Development Finance
- Industries: Property Development, Real Estate
Pros
- Transparent loan processes
- Fast site visits
Cons
- High minimum loan amounts
Hana Capital acts as a principal lender offering bridging loans with flexible terms and fast turnaround. It typically suits borrowers requiring large loan amounts with quick decisions. The lender focuses on principal-funded loans with an emphasis on speed and flexible repayment options.
Loan Details
- Min Amount: £500,000
- Max Amount: £50,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Finance, Commercial
Pros
- Privately funded
- Quick loan turnarounds
Cons
- High minimum loan threshold
Haslebrow Finance provides unregulated short-term loans focusing on residential and commercial properties. It is suitable for borrowers seeking flexible lending without formal valuations or regulatory constraints. The lender offers bridging and short-term finance solutions with emphasis on flexibility.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Short-term Loans, Bridging Finance
- Industries: Real Estate, Investment
Pros
- Flexible lending solutions
- No formal valuations
Cons
- Not regulated by UK authorities
Helmsley Group provides property loans funded by private investors for short to medium durations. It suits clients seeking investor-backed finance for real estate projects. The lender typically evaluates loans on a case-by-case basis with a focus on property security.
Loan Details
- Min Amount: £250,000
- Max Amount: £2,500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6 to 18 months ⌛
Services & Industries
- Finance Types: Property Loans, Syndicated Loans
- Industries: Real Estate, Private Investment
Pros
- Investor-funded
- Case-by-case basis
Cons
- Limited to property-related loans
Hope Capital specialises in bridging loans for various property-related needs with flexible terms. It is suitable for borrowers requiring quick processing and adaptable loan structures. The lender offers options for semi-commercial and real estate finance with attention to speed.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 0.89%
- Max APR: 0%
- Loan Duration: 3 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Semi-Commercial Loans
- Industries: Real Estate, Commercial Finance
Pros
- Quick decision-making
- Flexible use
Cons
- Relatively high interest rates
How to choose
When selecting the best lender for a 300k bridging loan, consider the loan size and repayment terms to match your financial capacity. Evaluate lender eligibility criteria and understand if you need a broker or direct lender access. Balance the speed of funding against the flexibility of loan terms, including repayment options and collateral requirements. Assess fees, early repayment charges, and loan-to-value ratios. Ensure the loan structure suits your franchise cash flow and seasonal variations before applying.
Conclusion
Choosing a lender depends on your specific needs: banks often provide structured commercial loans with formal processes, brokers can offer access to diverse options and specialist lenders typically serve bridging or property-focused loans. For borrowers seeking fast comparisons of multiple options under 300 thousand pounds loan amounts, Funding Agent is a notable resource. Always verify current pricing, terms, and suitability before committing. Tailor your choice to whether you prioritise speed, flexibility, or specialist expertise.
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