Best Lenders to Secure a 30k 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 2026-02-12.
Funding Agent focuses on helping UK SMEs quickly compare business finance options with a streamlined application process. It is typically suited for franchises and SMEs seeking unsecured loans or working capital solutions. The provider offers flexible loan access without collateral, aiming for fast eligibility matching and clear terms.
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
Together Money offers both personal and commercial financing with a focus on flexible lending solutions. It suits franchise buyers and SMEs needing bridging loans or mortgage financing with adaptable criteria. The provider is known for a personalised approach though applications may involve more detailed processes.
Loan Details
- Min Amount: £10,000
- Max Amount: £5,000,000
- Min APR: 6.9%
- Max APR: 19.5%
- Loan Duration: 1–24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Auction Finance, Buy-to-let Mortgages
- Industries: Real Estate, Leisure, Hospitality
Pros
- Personalized service
- Wide range of finance options
Cons
- Complex application process
Octopus Property specialises in financing for property professionals, focusing on bridging and development loans. It is suitable for those involved in property development or construction requiring flexible loan products secured on property. The lender offers tailored solutions with a focus on specific industry needs and manageable repayment options.
Loan Details
- Min Amount: £500,000
- Max Amount: £50,000,000
- Min APR: 6%
- Max APR: 12%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Loans, Residential Loans
- Industries: Property Development, Construction
Pros
- Tailored solutions
- Experienced team
LendInvest specialises in property investment loans including bridging and buy-to-let options. It is typically suitable for buyers or developers in the real estate sector seeking flexible loan terms secured by property collateral. The platform offers competitive rates and various loan products to match different project needs.
Loan Details
- Min Amount: £100,000
- Max Amount: £15,000,000
- Min APR: 5.5%
- Max APR: 13%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Buy-to-let Mortgages, Development Loans
- Industries: Real Estate, Construction
Pros
- Competitive rates
- Strong market reputation
Cons
- Limited to property finance
Shawbrook Bank provides a range of loans with an emphasis on bridging finance and commercial mortgages. It is suited to business customers who require tailored lending secured on commercial property. The lender focuses on custom solutions with expert advice and varied repayment options.
Loan Details
- Min Amount: £250,000
- Max Amount: £15,000,000
- Min APR: 4%
- Max APR: 10%
- Loan Duration: 1–18 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Mortgages, Asset Finance
- Industries: Commercial Real Estate, Investments
Pros
- Expert advice
- Custom solutions
Cons
- Higher minimum loan amount
MT Finance specialises in short-term, non-standard bridging loans for business and property clients. It suits SMEs needing rapid finance with less conventional criteria, offering bespoke solutions. The lender aims for quick decisions and flexible repayment without upfront fees.
Loan Details
- Min Amount: £50,000
- Max Amount: £5,000,000
- Min APR: 7.5%
- Max APR: 18%
- Loan Duration: 1–24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Auction Finance, Commercial Finance
- Industries: Real Estate, Retail
Pros
- No upfront fees
- Rapid decision-making
Cons
- Higher APR for short-term
Precise Mortgages offers specialist mortgage and bridging loan products across the UK. They are suitable for borrowers with non-standard circumstances seeking tailored lending with flexible terms. This provider focuses on residential and buy-to-let markets enabling varied repayment structures.
Loan Details
- Min Amount: £25,000
- Max Amount: £3,000,000
- Min APR: 6.5%
- Max APR: 14%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Specialist Mortgages, Buy-to-let
- Industries: Residential Property, Buy-to-let
Pros
- Specialist in non-standard lending
- Flexible terms
Roma Finance offers fast bridging loans targeting property investors and professionals needing quick financing solutions. It is well suited for those looking for speed and flexible criteria on loans secured against property. The lender emphasises fast approvals and efficient turnaround times.
Loan Details
- Min Amount: £20,000
- Max Amount: £2,000,000
- Min APR: 8%
- Max APR: 15%
- Loan Duration: 3–18 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Refurbishment Loans, Auction Finance
- Industries: Property Development, Investments
Pros
- Flexible lending criteria
- Quick approval
Aspen Bridging delivers specialist bridging loans geared towards flexible, fast financing for commercial projects. It suits borrowers requiring adaptable loan structures with property-backed security. The provider emphasises speed and responsiveness for various lending purposes.
Loan Details
- Min Amount: £150,000
- Max Amount: £10,000,000
- Min APR: 7.75%
- Max APR: 13.5%
- Loan Duration: 1–18 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Finance
- Industries: Commercial Real Estate, Property Development
Pros
- Fast processing
- Flexible solutions
Kuflink Bridging operates as a peer-to-peer platform providing bridging and short-term finance solutions. It is ideal for borrowers seeking user-friendly access to bridging loans with competitive terms. The platform benefits those looking for peer lending advantages but may include platform fees.
Loan Details
- Min Amount: £5,000
- Max Amount: £2,500,000
- Min APR: 6.5%
- Max APR: 16%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance, Auction Finance
- Industries: Real Estate, Construction
Pros
- User-friendly platform
- Peer-to-peer benefits
How to choose
When securing a 30k bridging loan, balance factors such as loan size, APR, and eligibility to fit your budget and needs. Consider lenders that offer quick decisions if speed is a priority, while others may provide more flexibility with collateral and loan structures. Check fees, repayment options, and early repayment terms to avoid unexpected costs. Understanding lender criteria and whether they serve your franchise sector or property type is crucial. Engage with brokers if you need wider market access or tailored advice. Always compare terms carefully before committing to a loan.
Conclusion
Choosing the right lender depends on your specific use case, whether it be a bank, broker, or specialist provider. Bank lenders often serve borrowers seeking traditional products while brokers offer access to multiple options across lenders. Specialist lenders may focus on particular sectors or loan types, like bridging finance backed by property. Funding Agent is a strong choice for SMEs looking for quick comparisons, while other providers cater to larger amounts or niche financing needs. For a 30 thousand pounds loan, ensure providers match your repayment capabilities and security requirements before proceeding.
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