Best Lenders to Secure a 360k 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 provides access to varied business finance options for UK SMEs through a straightforward application and fast eligibility checks. It is typically suited to those needing working capital or unsecured business loans without collateral. The service offers speed and clear terms, ideal for clients seeking brokered access to competitive offers across finance 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
MT Finance focuses on bridging finance and secured loans within the UK property sector. It suits borrowers seeking quick decisions and flexible loan arrangements typically secured against property. MT Finance is often chosen for its speed, competitive rates, and property-backed lending expertise.
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
- Industries: Property Investment
Pros
- Fast approval process
- Competitive rates
Cons
- Limited to property-related financing
Recognise Bank offers a broad suite of business banking services, including loans and savings, aimed at supporting SMEs. It is suited for businesses requiring a variety of financing options. The bank prioritises SME support with focus on predictable lending and flexible service reach.
Loan Details
- Min Amount: £25,000
- Max Amount: £2,500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans, Bridging Loans
- Industries: Various
Pros
- Wide array of business finance options
Cons
- Limited information on APR
Hampshire Trust Bank is a UK specialist bank focusing on development finance and bridging loans. It targets property developers and businesses needing tailored lending with personal service. Their offerings typically include secured loans with flexible terms and advisory support within property finance.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Finance
- Industries: Property Development
Pros
- Tailored financial solutions
- Expert advisory services
Funding 365 offers bespoke short-term bridging loans focused primarily on property lending within the UK. It is suitable for borrowers needing rapid decisions and financing for real estate projects. The lender emphasises flexible loan terms and competitive bespoke rates for property finance clients.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 0.8%
- Max APR: 0%
- Loan Duration: Up to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Property
Pros
- High loan-to-value ratios
- Quick turnaround
Cons
- Focus primarily on short-term loans
Goldentree Financial Services provides secured short-term finance tailored to property-related projects in the UK. It is designed for customers requiring secured lending with variable terms. The lender focuses on flexibility within secured bridging loans for property finance.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Secured Loans, Bridging Loans
- Industries: Property Finance
Pros
- Variety of secured lending options
Cons
- Limited to secured property loans
Hana Capital specialises in bridging loans for businesses and individuals, focusing on quick processing and flexible terms. The lender is suitable for those seeking higher-value loans with options for short to medium durations. Hana Capital offers privately funded lending with options for various industries.
Loan Details
- Min Amount: £500,000
- Max Amount: £50,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Various
Pros
- Speedy loan process
- Flexible loan terms
Cons
- Geared towards higher-value projects
Haslebrow Finance provides short-term bridging loans for residential and commercial properties across the UK. It is best suited for borrowers seeking loans without formal valuations. The provider offers straightforward property-backed lending solutions with a focus on speed.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Property
Pros
- No formal valuations required
Cons
- Limited to property financing
The Helmsley Group provides syndicated and bespoke financing options backed by private investor capital for property development projects within the UK. It suits borrowers needing flexible and co-financed loans for development purposes. The group emphasises tailored funding structures with property security.
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: Property Loans
- Industries: Property Development
Pros
- Co-financing opportunities
- Flexible funding
Hope Capital is a UK bridging loan specialist focusing on property purchase and refinancing. It is suited for borrowers seeking loans with flexible use for property finance up to substantial amounts. The lender offers tailored bridging solutions with an emphasis on speed and adaptability.
Loan Details
- Min Amount: £0
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Property
Pros
- Specialized in property refinancing
- Flexible use
How to choose
When securing a bridging loan of around £360,000, consider loan size, APR, and term to ensure affordability. Match your borrowing needs with providers who offer appropriate loan structures, whether quick approvals or tailored repayment options. Evaluate lender eligibility criteria, fees, and the presence of collateral requirements. Balance the speed of access against flexibility and long-term implications. Review whether brokered services or direct lending better suit your situation.
Conclusion
Matching your loan needs to the right type of provider is key. Banks often handle larger, secured loans with advisory support, while brokers like Funding Agent help SMEs access multiple offers swiftly. Specialist lenders cater to specific sectors or loan types, such as bridging or property finance. Understanding each provider’s focus allows better alignment with project requirements. Always verify costs and terms directly with the lender for accurate decisions involving a 360 thousand pounds loan.
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