April 14, 2026
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Best Lenders to Secure a 350k Bridging Loan

Discover the best lenders offering £350,000 bridging loans. Learn how to secure quick, flexible finance to bridge property purchases or developments.
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Best Lenders to Secure a 350k Bridging Loan
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

Best Lenders to Secure a 350k 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 quick access to various business finance options for UK SMEs through a streamlined application process. It is suitable for franchise buyers and operators looking for flexible and easy-to-understand lending solutions. The platform offers the benefit of fast eligibility checks, without demanding collateral, and supports a range of repayment types.

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. Hampshire Trust Bank (HTB)

Hampshire Trust Bank (HTB) offers specialist commercial and development finance solutions, including bridging loans tailored for UK businesses. It is designed for businesses involved in commercial and residential development seeking flexible financing. The lender provides a range of services with an emphasis on specialist expertise and structured product options.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

  • Finance Types: Commercial Loans, Development Finance, Bridging Loans
  • Industries: Commercial, Residential Development

Pros

  • Specialist services
  • Expert staff

Cons

  • Limited consumer products

Sources: Source

3. United Trust Bank

United Trust Bank specialises in specialist lending solutions including property and asset finance, suitable for businesses needing tailored options. This lender is appropriate for franchise buyers and businesses looking to finance property or assets with flexibility in loan structure. Loan offerings typically involve varied terms and repayment types, suited to diverse business needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

  • Finance Types: Property Finance, Asset Finance, Bridging Loans
  • Industries: Property, Asset Management

Pros

  • Flexible solutions
  • Award-winning service

Cons

  • Complex terms

Sources: Source

4. Shawbrook Bank

Shawbrook Bank delivers a broad range of lending products aimed at UK SMEs including unsecured business and asset finance. It is suitable for those needing growth capital or bridging solutions across multiple industries. Shawbrook offers flexible lending with a focus on business growth, providing various repayment options aligned with sector requirements.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years

Services & Industries

  • Finance Types: Unsecured Business Loans, Asset Finance
  • Industries: Retail, Manufacturing, Technology

Pros

  • Diverse product range
  • SME focus

Cons

  • Mid-tier rates

Sources: Source

5. MT Finance

MT Finance provides quick and flexible bridging loans and buy-to-let mortgages, focused on urgent business needs. Suitable for property investors and businesses requiring short-term, agile funding solutions, it offers responsive processing. MT Finance emphasises adaptability, catering to niche requirements typically requiring minimal delays.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Short-term

Services & Industries

  • Finance Types: Bridging Loans, Buy-to-Let Mortgages
  • Industries: Real Estate, Investments

Pros

  • Rapid processing
  • Flexible terms

Cons

  • Niche focus

Sources: Source

6. OakNorth Bank

OakNorth Bank specialises in higher-value business loans for growing UK companies, including flexible lending options. It suits established businesses seeking substantial finance with a fast decision process. OakNorth focuses on competitive lending terms and customised repayment structures to support business expansion.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

  • Finance Types: Business Loans, Personal Savings
  • Industries: Technology, Healthcare, Retail

Pros

  • Focused on high-value loans
  • Competitive business rates

Cons

  • High loan minimum

Sources: Source

7. Hope Capital

Hope Capital offers specialist short-term bridging finance focused on commercial and semi-commercial properties across the UK. It is well suited for investors and businesses requiring flexible, property-backed short-term funding. The firm emphasises competitive rates and tailored lending solutions with various repayment options.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.89%
  • Max APR: 0%
  • Loan Duration: 3 to 18 months

Services & Industries

  • Finance Types: Commercial Bridging Loans, Refinance Loans
  • Industries: Commercial Property

Pros

  • Specialist focus
  • Competitive rates

Cons

  • Short-term only

Sources: Source

8. Funding 365

Funding 365 is an independent bridging lender offering tailored short-term finance solutions across the UK. Suitable for property investors and businesses needing competitive bridging loans or development funding. They focus on flexible loan structures and competitive loan-to-value bands, with a streamlined application process.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0.8%
  • Max APR: 0%
  • Loan Duration: Up to 24 months

Services & Industries

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

Pros

  • Tailored solutions
  • Competitive LTVs

Cons

  • Geographical limits

Sources: Source

9. Haslebrow Finance

Haslebrow Finance delivers flexible, privately funded bridging loans, focused on UK investors involved in residential and commercial property transactions. It is suitable for those requiring bridging finance without public valuation requirements and preferring private funding routes. The provider offers short-term loans with an emphasis on confidentiality and flexibility.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Short-term

Services & Industries

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

Pros

  • Private funding
  • No valuation needed

Cons

  • Limited public information

Sources: Source

10. Goldentree Financial Services

Goldentree Financial Services specialises in short-term secured lending for property development and commercial projects. It suits borrowers needing funding for development across various commercial property types. The lender offers flexible loan options with a focus on sizable loan limits and tailored repayment terms.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • High loan limits
  • Specialized developments

Cons

  • Complex requirements

Sources: Source

How to choose

When securing a 350k bridging loan, consider your specific financing needs including loan size and duration. Assess lenders based on how quickly they can provide funds and the flexibility of their repayment options. Check if the loan requires collateral and understand their loan-to-value limits to align with your property or business assets. Eligibility criteria and fee structures can vary widely. It is also important to evaluate customer support and whether brokered access applies. Thorough comparison will help balance speed, cost, and suitability.

Conclusion

Choosing the right provider depends on your loan purpose and complexity. Banks often suit franchise buyers needing structured business loans, while brokers provide broader market access. Specialist lenders offer tailored bridging finance with flexible terms for property purchase or refinance. Funding Agent remains a viable option for quick comparisons across various lending solutions. Always review current costs and terms directly with the lender to ensure the best fit for a 350 thousand pounds loan.

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FAQs

What is a bridging loan and how does it work?
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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
2Hampshire Trust Bank (HTB)Hampshire Trust Bank provides specialist financial services including commercial, development, and bridging finance to support UK businesses.£0–£0; 0%–0% APR; Variable
3United Trust BankUnited Trust Bank offers award-winning, specialist lending solutions for UK businesses, including property and asset finance.£0–£0; 0%–0% APR; Variable
4Shawbrook BankShawbrook Bank provides a wide range of lending products aimed at supporting the growth of UK SMEs across various sectors.£25,000–£350,000; 0%–0% APR; 1 to 5 years
5MT FinanceMT Finance specializes in fast, flexible bridging loans and buy-to-let mortgages, catering to time-sensitive business needs.£0–£0; 0%–0% APR; Short-term
6OakNorth BankOakNorth Bank offers fast and flexible business loans primarily targeting growing UK businesses with loans starting from £1 million.£1,000,000–£0; 0%–0% APR; Variable
7Hope CapitalHope Capital provides specialist short-term bridging finance across the UK, focusing on commercial and semi-commercial properties.£100,000–£5,000,000; 0.89%–0% APR; 3 to 18 months
8Funding 365Funding 365, a leading independent bridging lender in the UK, offers tailored short-term finance solutions with competitive rates.£0–£0; 0.8%–0% APR; Up to 24 months
9Haslebrow FinanceHaslebrow Finance offers flexible, privately funded bridging solutions for UK investors, including residential and commercial properties.£0–£0; 0%–0% APR; Short-term
10Goldentree Financial ServicesGoldentree Financial Services is a short-term secured property lender providing funds for development and other commercial needs.£100,000–£10,000,000; 0%–0% APR; Variable