April 14, 2026
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Best Lenders to Secure a 320k Bridging Loan

Discover the best lenders to secure a £320k bridging loan. Compare UK lenders, rates, and terms to find the perfect bridging finance for your needs.
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Best Lenders to Secure a 320k 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 320k 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 a broad comparison of business finance options for UK SMEs. It is suitable for franchise buyers and operators needing fast access to unsecured or working capital loans. The platform emphasises quick eligibility checks and clear term options, allowing for flexible repayment choices 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

Sources: Funding Agent

2. MT Finance

MT Finance specialises in bespoke bridging finance focused on property owners and investors across the UK. It is suitable for securing loans against property purchases or refinancing needs. MT Finance offers competitive speed and flexible terms, with options influenced by the specifics of the property and borrower criteria.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 8%
  • Max APR: 15%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages, Development Finance
  • Industries: Real Estate, Construction

Pros

  • Competitive rates
  • Fast funding
  • No exit fees

Cons

  • Limited to property-related loans
  • Higher rates for adverse credit

Sources: Source

3. Funding 365

Funding 365 focuses on bridging loans and development finance for property projects. It suits borrowers seeking financing for property-related acquisitions or developments, balancing speed and thorough assessment. Their products offer flexibility in loan structuring and are aimed at clients needing secured lending with varied repayment options.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £50,000,000
  • Min APR: 7.5%
  • Max APR: 12%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Development Loans
  • Industries: Real Estate

Pros

  • Competitive rates
  • High LTV options
  • Quick decisions

Cons

  • Primarily property-focused
  • Requires detailed property evaluations

Sources: Source

4. Hampshire Trust Bank

Hampshire Trust Bank provides specialist commercial lending products including bridging finance designed for UK SMEs and property professionals. It is suited for borrowers seeking bespoke lending with secure property collateral and more tailored terms. Their offerings typically aim for flexibility in loan duration and competitive pricing.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £15,000,000
  • Min APR: 6.5%
  • Max APR: 10%
  • Loan Duration: 6 to 36 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Loans
  • Industries: Real Estate, SMEs

Pros

  • Specialist lender for SMEs
  • Bespoke finance options

Cons

  • Higher entry point for loans
  • Primarily property-focused

Sources: Source

5. Goldentree Financial Services

Goldentree Financial Services provides secure short-term lending primarily for property investments throughout the UK. It fits borrowers who need reliable funding for property deals with a focus on speed and limited valuation requirements. Their loans typically involve secured finance with fixed terms and clear repayment plans.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 9%
  • Max APR: 14%
  • Loan Duration: 6 to 18 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Finance
  • Industries: Real Estate, Development

Pros

  • Fast decision making
  • No valuation reports needed

Cons

  • Short maximum loan duration
  • High minimum loan size

Sources: Source

6. Hope Capital

Hope Capital acts as a principal lender offering fast, flexible bridging loans with a focus on managing cash flow for businesses and property investors. It suits those needing quick funding for UK property-based projects with an emphasis on adaptability and straightforward terms. Collateral and repayment flexibility are key elements of their service.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 10%
  • Max APR: 15%
  • Loan Duration: 3 to 18 months ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Real Estate

Pros

  • Flexible terms
  • Rapid processing times

Cons

  • Higher interest rates
  • Limited to UK properties

Sources: Source

7. Hana Capital

Hana Capital specialises in bridging loans for property purchases and business ventures, with fast in-house decision-making. It is suitable for borrowers looking for tailored lending solutions with a focus on speed and flexibility. Loans are secured and adapted to client needs, mostly within the property sector.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £50,000,000
  • Min APR: 8%
  • Max APR: 14%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Real Estate

Pros

  • Fast in-house processing
  • Bespoke lending solutions

Cons

  • High entry loan amount
  • Limited to bridging finance

Sources: Source

8. Haslebrow

Haslebrow offers unregulated short-term property finance through private funds. It is suitable for borrowers needing quick and adaptable lending solutions for various property sectors, often with fewer formal valuation requirements. The focus is on flexibility and speed within a non-standardised lending framework.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £5,000,000
  • Min APR: 9.5%
  • Max APR: 16%
  • Loan Duration: 1 to 18 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Short-term Property Finance
  • Industries: Real Estate

Pros

  • Flexible finance solutions
  • No formal valuations

Cons

  • Unregulated lending
  • Higher APR for certain risk profiles

Sources: Source

9. Helmsley Group

Helmsley Group specialises in property finance with syndicated loan offerings for investors and developers. It suits those seeking collaborative funding with structured options and competitive rates. Their approach focuses on flexible investment options within the real estate sector.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £2,500,000
  • Min APR: 7%
  • Max APR: 15%
  • Loan Duration: 6 to 18 months ⌛

Services & Industries

  • Finance Types: Property Loans, Syndicated Loans
  • Industries: Real Estate, Investment

Pros

  • Syndicated investment options
  • Low minimum loan amounts

Cons

  • Limited to property loans
  • Complex investment structures

Sources: Source

10. Hilco Global

Hilco Global provides corporate and asset-based finance solutions designed for dynamic enterprises. It suits borrowers requiring large funding amounts with a variety of repayment structures. The lender focuses on flexibility and specialised services beyond traditional bridging loans.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £50,000,000
  • Min APR: 7.5%
  • Max APR: 14.5%
  • Loan Duration: 3 to 36 months ⌛

Services & Industries

  • Finance Types: Asset-Based Lending, Corporate Finance
  • Industries: Corporate, Asset Management

Pros

  • Diverse financing options
  • Large funding capabilities

Cons

  • Complex application process
  • Not primarily focused on business loans

Sources: Source

How to choose

When selecting a lender for a 320k bridging loan, first consider the loan amount, APR, and term that fit your financial situation. Evaluate eligibility requirements and the lender’s speed versus flexibility in decision-making and funding. Check if security or collateral is required and the typical loan-to-value ratios offered. Also assess if repayment options match your cash flow and if the lender supports your franchise or property focus. Review all fees, early repayment charges, and loan conditions before committing to an application.

Conclusion

Choosing the right lender depends on your specific needs such as loan size, asset security, and speed of funding. Banks may offer more structured products, brokers provide access to multiple lenders, and specialists can tailor loans for property or development. Funding Agent remains a useful tool for SMEs to quickly compare options for loans around 320 thousand pounds. It is important to understand each provider’s strengths and verify current terms directly before proceeding.

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FAQs

What is a bridging loan and how does it work?
Can I get a bridging loan for £320,000?
What are the typical interest rates for a £320k bridging loan?
How long can I borrow a bridging loan for?
What types of properties can be used for securing a bridging loan?
What are the risks of taking out a bridging loan?

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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 offers bespoke bridging finance solutions tailored to meet the individual needs of property owners and investors across the UK.£50,000–£5,000,000; 8%–15% APR; 1 to 24 months
3Funding 365Funding 365 is a specialist in providing bridging loans and development finance.£25,000–£50,000,000; 7.5%–12% APR; 3 to 24 months
4Hampshire Trust BankHampshire Trust Bank (HTB) is a specialist lender offering a range of commercial lending products, including bridging finance, designed to support UK SMEs and property professionals with fast, bespoke lending solutions.£500,000–£15,000,000; 6.5%–10% APR; 6 to 36 months
5Goldentree Financial ServicesGoldentree Financial Services provides secure and reliable short-term lending solutions primarily for property investments throughout the UK.£100,000–£10,000,000; 9%–14% APR; 6 to 18 months
6Hope CapitalHope Capital is a principal lender delivering fast and flexible bridging loans to help businesses and property investors capitalize on opportunities and manage cash flow effectively.£100,000–£5,000,000; 10%–15% APR; 3 to 18 months
7Hana CapitalHana Capital offers highly specialized bridging loan services, ensuring quick access to funds for property purchases and business ventures in the UK, with a commitment to in-house decision making and bespoke finance solutions.£500,000–£50,000,000; 8%–14% APR; 1 to 24 months
8HaslebrowHaslebrow Finance is a privately funded lender offering unregulated short-term property finance across various sectors, providing quick and adaptable financial solutions for investors.£75,000–£5,000,000; 9.5%–16% APR; 1 to 18 months
9Helmsley GroupThe Helmsley Group provides specialized property finance solutions, offering syndicated loan options to investors and developers with competitive rates and collaborative funding structures.£250,000–£2,500,000; 7%–15% APR; 6 to 18 months
10Hilco GlobalHilco Global is a leading provider of corporate finance and asset-based lending solutions, offering flexible funding options tailored to meet the needs of dynamic enterprises.£100,000–£50,000,000; 7.5%–14.5% APR; 3 to 36 months
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