Best Lenders to Secure a 330k 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 rapid comparison and access to business finance options through an easy application process. It is typically suited for franchise buyers and small businesses needing unsecured lending with clear eligibility and predictable terms. The service offers fast matching without collateral requirements, suitable for those seeking straightforward lending solutions with flexible repayment options.
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
MT Finance offers bridging loans focused on commercial property projects. It suits property buyers, investors, and SMEs requiring rapid funding with flexible loan terms. The provider specialises in secured loans with competitive timing options and is ideal for those prioritising speed and security in commercial real estate finance.
Loan Details
- Min Amount: £50,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Commercial Mortgages
- Industries: Real Estate, Commercial Property
Pros
- Fast funding
- Flexible terms
Cons
- Higher APR for lower credit scores
Funding 365 concentrates on bridging and development loans for commercial and semi-commercial properties. It is suitable for investors and businesses seeking competitive interest rates and high loan-to-value lending in these sectors. The provider offers streamlined loan products with options that may include varying repayment types backed by property security.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0.64%
- Max APR: 0.8%
- Loan Duration: Up to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Commercial, Semi-commercial
Pros
- Competitive rates
- High LTV options
Hope Capital offers bespoke bridging loans tailored for residential, semi-commercial, and commercial property transactions. This lender suits borrowers needing flexible loan structures and personalised support. They often accommodate diverse property types with a focus on accessible, tailored solutions for timely financing.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 0.79%
- Max APR: 0.89%
- Loan Duration: 3 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, Semi-commercial, Commercial
Pros
- Custom solutions
- Wide range of applications
Cons
- Higher rates for certain products
Goldentree Financial Services delivers secured short-term loans for business and commercial property projects. It suits borrowers requiring larger loan amounts backed by security. This provider offers fast approvals and loans generally secured against property, making it a resource for substantial bridging and development finance needs.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Development Finance
- Industries: Property Development, Commercial Real Estate
Pros
- Large loan amounts
- Quick approvals
Hampshire Trust Bank specialises in commercial and development finance with tailored banking solutions. It is typically suited for businesses requiring bespoke loan structures and expertise in development projects. The bank provides options that may include both secured and unsecured lending, focusing on flexibility for complex financing needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6.49%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Development Finance, Commercial Loans
- Industries: Real Estate, Commercial Development
Pros
- Customized solutions
- Specialist in development finance
Cons
- Complex application process
Octane Capital provides bridging and development finance customised for property projects in the UK. It is suitable for property investors and developers seeking flexible lending with terms that respond to interest rate changes. The company offers loans that may include refurbishment financing and loans with no exit fees.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0.73%
- Max APR: 0%
- Loan Duration: Up to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Refurbishment Loans
- Industries: Property Investors, Real Estate
Pros
- Flexible terms based on BBR
- No exit fees
Cons
- Rates vary with bank interest rates
Helmsley Group offers syndicated lending for property development with funding drawn from private investors. It generally suits developers or businesses requiring high loan amounts secured through syndicated arrangements. The model provides access to capital with a focus on collaboration between multiple funding sources.
Loan Details
- Min Amount: £250,000
- Max Amount: £2,500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Syndicated Loans, Property Finance
- Industries: Property Development, Real Estate
Pros
- Investor-backed funding
- High loan amounts
Cons
- Limited to syndicated loans
Hilco Global provides capital solutions including asset-backed lending and real estate finance. It is typically suitable for businesses and investors requiring structured finance with collateral. The provider offers tailored financing options with a focus on flexibility and customised lending for asset-based needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset-Based Loans, Real Estate Finance
- Industries: Asset Management, Real Estate
Pros
- Flexible solutions
- Tailored financing
Aria Finance specialises in access to specialist development and commercial mortgages. It suits borrowers seeking a broad range of finance with brokered market access. Their services often support commercial real estate and development clients needing experienced guidance and flexible loan structures.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Development Finance, Commercial Mortgages
- Industries: Commercial Real Estate, Development
Pros
- Wide access to market rates
- Experienced in complex lending
Cons
- Primarily a finance broker
How to choose
Choosing the right lender for a 330k bridging loan requires considering loan size, speed, and security needs. Compare APRs and loan durations to fit your budget and cash flow. Check if the lender requires collateral and whether flexible repayment options are available. Factor in the application process complexity and lender specialisation. Ensure the loan terms align with your franchise timing and financial situation. Review all fees and eligibility criteria carefully before committing.
Conclusion
Matching a lender to your borrowing purpose is key when seeking a 330 thousand pounds loan. Banks typically offer tailored, specialist finance with complex criteria, brokers provide broad market access and speed, while specialist lenders focus on niche property and bridging loans. Funding Agent enables fast comparisons suitable for SMEs aiming to understand their options efficiently. Carefully evaluating each provider type against your needs ensures the best fit for your loan objectives. Always verify terms and pricing directly with lenders before proceeding.