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.
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
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
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
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
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
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
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
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
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
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
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.