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.
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
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
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
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
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
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
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
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
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
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
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.