Best Lenders to Secure a 340k 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 is focused on offering UK SMEs a fast and straightforward way to compare different business finance solutions. It typically suits franchise buyers and small businesses looking for clear loan options with predictable terms. The service emphasises quick eligibility checks and an easy application process 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
Precise Mortgages specialises in residential mortgages and bridging finance arranged through intermediaries. It is suited for property buyers and refinancers who require bridging loans secured on residential assets. The lender offers products that focus on broker access and straightforward residential lending terms.
Loan Details
- Min Amount: £0
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Property, Real Estate
Pros
- No exit fee
- No early repayment charges
MT Finance provides bridging and development loans for UK businesses, primarily in the commercial property sector. It is well suited for borrowers needing flexible and sensible loan structures for property projects. The lender emphasises adaptable terms and efficient processing for business clients.
Loan Details
- Min Amount: £100,000
- Max Amount: £2,500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Loans
- Industries: Commercial Property
Pros
- Flexible terms
- Fast processing
Hampshire Trust Bank offers specialist business banking services including commercial and bridging loans. It suits diverse business needs with products that may require security and offer a wide range of lending options. The provider is suitable for borrowers seeking traditional bank lending with experienced management.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Commercial Loans, Bridging Loans
- Industries: Various
Pros
- Experienced team
- Wide range of products
Funding 365 is an independent lender offering bespoke bridging loans tailored to residential and commercial property needs. It is generally suited for borrowers requiring flexibility in loan terms and loan-to-value ratios. The lender serves those looking for specialist loans with varied repayment options for property projects.
Loan Details
- Min Amount: £0
- Max Amount: £8,500,000
- Min APR: 7.68%
- Max APR: 0%
- Loan Duration: Up to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate
Pros
- Bespoke loan terms
- High LTVs
Cons
- Focus on UK properties only
Novuna provides secured and unsecured loan solutions designed for a variety of business needs. It is suitable for businesses seeking innovative finance options that can be tailored to their circumstances. Novuna focuses on speed of funding and transparent fee structures without hidden costs.
Loan Details
- Min Amount: £10,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Various
Pros
- Speedy release of funds
- No hidden fees
Cons
- May prefer established businesses
Goldentree Financial Services focuses on providing secured short-term finance primarily for property development projects across mainland UK. It suits businesses requiring higher loan amounts with flexible usage. The lender emphasises secured lending solutions with term flexibility for property-related 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
- Industries: Property Development
Pros
- High loan amounts
- Flexible for various purposes
Hope Capital specialises in bridging loans that assist with property purchases and business refinancing needs. It is suitable for borrowers seeking relatively speedy loans with no early repayment penalties. The lender provides tailored bridging solutions primarily for real estate clients.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 11.4%
- Max APR: 0%
- Loan Duration: 3 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate
Pros
- Specialist in fast loans
- No early repayment charges
Cons
- Interest rates can be high
Enness Global offers custom bridging loan solutions aimed at helping companies manage cash flow and fund acquisitions. It serves mainly corporate clients seeking bespoke financial structures with access to a broad lender network. The lender focuses on tailored terms for high-net-worth and business borrowers.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Corporate
Pros
- Custom finance solutions
- Wide lender network
Cons
- Primarily serves HNW clients
Helmsley Group offers syndicated property loans funded by private client investors for UK businesses. It suits borrowers seeking structured property investment deals without direct bank borrowing. The lender focuses on syndicated finance products designed for property investment purposes.
Loan Details
- Min Amount: £250,000
- Max Amount: £2,500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6 to 18 months ⌛
Services & Industries
- Finance Types: Syndicated Loans
- Industries: Property Investment
Pros
- Structured deals
- Private investor funding
How to choose
Choosing the best lender for a 340k bridging loan involves weighing loan size, APR, and repayment terms against your specific needs. Understand the purpose of the loan—whether it is for property purchase, refinance or working capital secured on property. Check if the lender requires security or offers unsecured options, and assess how quickly funds can be released. Consider the lender’s flexibility around early repayment and exit fees. Review whether the provider operates directly, through brokers, or provides specialist financing. Align these factors carefully with your franchise’s cash flow and seasonal cycles before applying.
Conclusion
Matching the right lender to your use case depends on several factors. Banks typically offer established processes and a range of loan types but may require collateral and have stricter criteria. Brokers can provide access to specialist lenders and a broader market, helping with complex or niche requirements. Specialists focus on specific products such as bridging or development loans and may provide flexible terms for property-backed finance. Funding Agent is a strong choice for SMEs wanting fast comparisons across multiple options. Always verify the latest costs and terms with the lender, as these may change over time for loans around three hundred and forty thousand pounds.
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