April 14, 2026
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Best Lenders to Secure a 310k Bridging Loan

Discover the best UK lenders to secure a £310,000 bridging loan. Get expert tips on rates, terms, and how to choose the right lender for your needs.
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Best Lenders to Secure a 310k Bridging Loan
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Lenders to Secure a 310k 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 helping UK SMEs compare various business finance options swiftly through an easy application process. It is suitable for franchise buyers and operators seeking unsecured business loans or working capital with quick eligibility matching. The provider emphasizes speed and simple access, usually without the need for 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

Sources: Funding Agent

2. Precise Mortgages

Precise Mortgages specialises in residential and bridging finance within the UK market. It suits investors and franchise buyers needing bridging for property purchases or refinancing. The lender typically offers flexible terms accessed via intermediaries, focusing on specialist property lending rather than direct consumer loans.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £50,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Real estate

Pros

  • No exit fees
  • Flexible terms

Cons

  • Intermediaries only
  • Not direct to consumer

Sources: Source

3. MT Finance

MT Finance offers bridging loans and commercial mortgages aimed at investors and SMEs in the UK. It is suitable for borrowers looking to finance property investments or development projects with clear terms. The provider offers relatively fast decisions and a range of repayment options, focusing on asset-backed lending.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0.59%
  • Max APR: 1.5%
  • Loan Duration: 1 to 18 months

Services & Industries

  • Finance Types: Bridging loans, Development finance
  • Industries: Real estate, Commercial property

Pros

  • Flexible terms
  • Fast decision process

Cons

  • Higher initial fees

Sources: Source

4. Funding 365

Funding 365 concentrates on bespoke bridging finance solutions for varied UK property projects. It targets borrowers requiring competitive rates and flexible loan amounts for short to medium-term bridging. The company offers tailored deals with a focus on commercial and residential property lending.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £25,000,000
  • Min APR: 0.64%
  • Max APR: 2%
  • Loan Duration: 1 to 24 months

Services & Industries

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

Pros

  • Competitive rates
  • Fast funding

Cons

  • Limited personal communication

Sources: Source

5. Hampshire Trust Bank

Hampshire Trust Bank is a specialist bank offering bridging and development finance to the UK market. It primarily suits borrowers involved in property development or requiring secured bridging for business purposes. The bank focuses on customised solutions with a standard repayment structure and tends to serve borrowers needing higher levels of capital secured against property.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12 to 24 months

Services & Industries

  • Finance Types: Bridging loans, Development finance
  • Industries: Real estate

Pros

  • Specialist services
  • Customisable solutions

Cons

  • Higher interest rates

Sources: Source

6. Novuna

Novuna delivers a broad range of business finance products, including quick loans designed to improve cash flow for UK SMEs. It suits franchisees and businesses seeking flexible funding not always tied to property security. Novuna emphasises fast approvals and options that adapt to repayment preferences but often with higher costs over longer terms.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0.5%
  • Max APR: 1.5%
  • Loan Duration: 1 to 24 months

Services & Industries

  • Finance Types: Business loans, Cash flow finance
  • Industries: SMEs, Retail

Pros

  • Quick funding
  • Flexible repayment

Cons

  • Higher cost for longer terms

Sources: Source

7. Goldentree Financial Services

Goldentree Financial Services offers short-term secured property loans focused on development projects across the UK. It suits borrowers needing rapid processing and higher loan amounts secured against property assets. This lender typically offers bridging finance with standard repayment schedules and is suited to property developers and investors.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 12 months

Services & Industries

  • Finance Types: Bridging loans, Development finance
  • Industries: Property development

Pros

  • Swift processing
  • High loan amounts

Cons

  • Short loan durations

Sources: Source

8. Hana Capital

Hana Capital is a privately funded principal lender focusing on bridging loans throughout the UK. It is suitable for borrowers requiring high loan amounts for commercial or residential property transactions. This lender offers flexible terms with a focus on speed and direct principal lending, typically secured against property.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £50,000,000
  • Min APR: 1%
  • Max APR: 3%
  • Loan Duration: 1 to 24 months

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Real estate, Commercial

Pros

  • High loan amounts
  • Privately funded

Cons

  • Restricted to high-value loans

Sources: Source

9. Haslebrow

Haslebrow provides unregulated short-term property finance focusing on speed and flexible solutions. It typically suits borrowers requiring quick funding for residential or commercial property needs, often without formal valuations. The lender offers bridging loans with varied APRs and loan durations, tailored for those comfortable with unregulated products.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £0
  • Min APR: 1.2%
  • Max APR: 3.5%
  • Loan Duration: 1 to 12 months

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Residential, Commercial

Pros

  • No formal valuations
  • Flexible solutions

Cons

  • Unregulated products

Sources: Source

10. Hope Capital

Hope Capital specialises in bridging loans for property transactions across the UK, supporting a range of borrowers. It is suitable for those needing prompt funding for real estate deals requiring secured short-term loans. The provider offers tailored lending with options balancing speed and repayment flexibility.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0.75%
  • Max APR: 1.5%
  • Loan Duration: 1 to 24 months

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Real estate

Pros

  • Nationwide service
  • Tailored solutions

Cons

  • Restricted to property

Sources: Source

How to choose

When seeking to secure a 310k bridging loan, it is important to align loan size, APR, and lender terms with your financial needs and repayment ability. Evaluate each provider’s speed, eligibility criteria, and loan security requirements carefully. Consider whether you prefer a direct lender or a broker to access more options. Assess any fees and early repayment conditions before making a decision. Prioritise lenders offering clear communication and appropriate loan duration for your project’s timeline. Keep in mind the impact of loan terms on franchise cash flow and plan accordingly.

Conclusion

Choosing between bank lenders, brokers, and specialist bridging lenders depends on the size and nature of your financing needs. Banks and specialist lenders typically serve larger loans with asset security, while brokers can offer a wider range of options suitable for smaller or more flexible financing. Funding Agent remains a useful tool for SMEs looking to quickly compare multiple finance options in one place. For a 310 thousand pounds loan, review the fit of each provider’s terms against your project’s specific requirements to decide the best approach. Always verify current costs and lending criteria prior to application.

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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
2Precise MortgagesPrecise Mortgages is a specialist lender offering residential and bridging finance in the UK.£500,000–£50,000,000; 0%–0% APR; Unknown
3MT FinanceMT Finance provides quick bridging loans and commercial mortgages for investors and SMEs.£50,000–£10,000,000; 0.59%–1.5% APR; 1 to 18 months
4Funding 365Funding 365 specializes in bespoke bridging finance across the UK with competitive rates.£50,000–£25,000,000; 0.64%–2% APR; 1 to 24 months
5Hampshire Trust BankHampshire Trust Bank is a specialist bank providing bridging and development finance in the UK.£100,000–£5,000,000; 0%–0% APR; 12 to 24 months
6NovunaNovuna offers a wide range of business finance solutions including quick business loans for cash flow.£5,000–£1,000,000; 0.5%–1.5% APR; 1 to 24 months
7Goldentree Financial ServicesGoldentree is a short-term secured property lender offering finance for developments in the UK.£100,000–£10,000,000; 0%–0% APR; 3 to 12 months
8Hana CapitalHana Capital is a privately funded principal lender specializing in bridging loans in the UK.£500,000–£50,000,000; 1%–3% APR; 1 to 24 months
9HaslebrowHaslebrow Finance provides unregulated short-term property finance for a variety of uses.£100,000–£0; 1.2%–3.5% APR; 1 to 12 months
10Hope CapitalHope Capital provides specialist bridging loans throughout the UK for property transactions.£50,000–£5,000,000; 0.75%–1.5% APR; 1 to 24 months