April 14, 2026
Lists

Best Lenders to Secure a 380k Bridging Loan

Discover the best lenders to secure a £380,000 bridging loan. Explore competitive rates, terms, and expert tips to get your loan quickly and easily.
Square image with a black border and white background
Best Lenders to Secure a 380k 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 380k 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 helping UK SMEs explore a range of business finance options quickly through a streamlined application process. It is suited for franchise buyers or businesses looking for unsecured working capital with straightforward eligibility. The provider offers fast decisions, flexible terms, and loans typically without collateral requirements.

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. MT Finance

MT Finance specialises in bridging loans and commercial property finance designed for a broad range of UK property investors and developers. It typically suits applicants looking for loans secured on real estate with options balancing speed and flexibility. The lender provides access to buy-to-let and commercial mortgages with multiple repayment approaches available.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 6.9%
  • Max APR: 24.9%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages
  • Industries: Real Estate, Commercial Property

Pros

  • Quick approval time
  • No early repayment fees

Cons

  • Higher initial fees

Sources: Source

3. Funding 365

Funding 365 offers tailored bridging loans with a focus on flexibility and competitive rates suitable for various property types in the UK market. It is appropriate for clients needing adaptable solutions for property development or retail sectors. The provider offers bespoke lending with attention to LTV bands and repayment options to meet diverse borrower needs.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £5,000,000
  • Min APR: 7.5%
  • Max APR: 25.5%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Property Development, Retail

Pros

  • High LTV options
  • Competitive rates

Cons

  • Strict eligibility criteria

Sources: Source

4. Hampshire Trust Bank

Hampshire Trust Bank focuses on specialist financial products including bridging loans and development finance for property professionals in the UK. It is typically suited for borrowers seeking longer term loans with secure collateral and structured repayment plans. The bank offers flexible lending within construction and SME sectors with emphasis on comprehensive service.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 5%
  • Max APR: 21%
  • Loan Duration: 1 to 36 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Development Finance
  • Industries: Construction, SMEs

Pros

  • Wide range of financial solutions
  • Strong customer service

Cons

  • May have geographic restrictions

Sources: Source

5. Bridging Finance Solutions

Bridging Finance Solutions is a principal lender concentrating on fast bridging loans primarily for investors, developers, and financial advisors. It benefits those needing quick access to capital with straightforward terms and no exit fees. The lender emphasises rapid processing and loans suited for real estate and investment sectors.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,000,000
  • Min APR: 7%
  • Max APR: 24%
  • Loan Duration: 1 to 18 months ⌛

Services & Industries

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

Pros

  • Fast approval process
  • No exit fees

Cons

  • Limited maximum loan size

Sources: Source

6. Recognise Bank

Recognise Bank offers personalised bridging loans and commercial mortgages aimed at SMEs seeking tailored funding solutions. It is suitable for borrowers prioritising competitive rates and customised service with options for business loans secured against property. The lender focuses on flexible terms that address individual business needs.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £10,000,000
  • Min APR: 6.5%
  • Max APR: 20.5%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Business Loans
  • Industries: SMEs, Commercial Property

Pros

  • Personalised service
  • Competitive rates

Cons

  • Higher minimum loan size

Sources: Source

7. Hope Capital

Hope Capital specialises in innovative bridging loans with a focus on speed and flexibility for businesses in the UK. It is suited to borrowers who require short-term funding with adaptable repayment options. The lender offers tailored solutions emphasising rapid processing and competitive rates.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,500,000
  • Min APR: 8.5%
  • Max APR: 26.5%
  • Loan Duration: Up to 12 months ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Property Investment, Development

Pros

  • Flexible terms
  • Rapid processing

Cons

  • Higher interest for short terms

Sources: Source

8. Octopus Property

Octopus Property provides bespoke bridging finance and property loans tailored to diverse UK business needs. It suits those seeking tailored lending solutions with flexible terms supported by experienced management. This lender addresses a range of real estate financing requirements with options on collateral and repayment.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 6%
  • Max APR: 22%
  • Loan Duration: 1 to 36 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Property Loans
  • Industries: Real Estate, SMEs

Pros

  • Bespoke solutions
  • Experienced management

Cons

  • Complex application process

Sources: Source

9. Shawbrook Bank

Shawbrook Bank offers tailored financial services including bridging loans and asset finance. It is appropriate for borrowers looking for a wide product range and strong financial support within the UK market. The bank focuses on secure lending with options for various real estate and SME sectors.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £15,000,000
  • Min APR: 5.5%
  • Max APR: 20%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Asset Finance
  • Industries: Real Estate, SMEs

Pros

  • Diverse product offerings
  • Strong financial backing

Cons

  • Stringent credit checks

Sources: Source

10. LendInvest

LendInvest provides online bridging loans and development finance tailored to UK property professionals. It suits borrowers looking for a user-friendly digital platform offering flexible loan structures. The provider focuses on ease of application and a range of financing solutions for property development.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £7,500,000
  • Min APR: 5%
  • Max APR: 20.5%
  • Loan Duration: 1 to 18 months ⌛

Services & Industries

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

Pros

  • Online platform
  • User-friendly service

Cons

  • May not cater to all property types

Sources: Source

How to choose

When securing a 380k bridging loan, consider your repayment capacity and desired loan duration. Check lender eligibility criteria carefully to ensure fit with your business profile. Assess the balance between application speed and the flexibility offered in terms and security requirements. Review the types of collateral accepted and available repayment options. Always compare APRs and any associated fees to avoid surprises. Choosing a lender that matches your specific property or business needs improves the chances of approval and a smooth funding process.

Conclusion

Choosing the right lender depends on your loan purpose and business type. Banks may offer stability and wider product ranges, while specialists and brokers can provide tailored solutions or faster access. Franchise buyers or SMEs might prefer lenders catering to unsecured or working capital loans, whereas property investors may require bridging or development finance. Funding Agent offers an efficient way to compare multiple lending options quickly. For a 380 thousand pounds loan, weigh your priorities in terms of speed, cost, and loan features to find the best match.

Table of Contents
Example H2
Example H3

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is a bridging loan?
How can I secure a £380,000 bridging loan?
What types of lenders offer bridging loans?
How long does it take to get a bridging loan approved?
What are the interest rates for a £380k bridging loan?
Are there any fees associated with bridging loans?

Get Funding For
Your Business

Generate offers
Cta image
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
2MT FinanceMT Finance is a specialist lender offering bridging loans, buy-to-let mortgages and commercial property loans in the UK.£50,000–£5,000,000; 6.9%–24.9% APR; 1 to 24 months
3Funding 365Funding 365 offers competitive bespoke bridging loans with flexible terms for various property types across the UK.£75,000–£5,000,000; 7.5%–25.5% APR; Up to 24 months
4Hampshire Trust BankHampshire Trust Bank provides specialist financial solutions including bridging loans, commercial mortgages, and development finance in the UK.£50,000–£10,000,000; 5%–21% APR; 1 to 36 months
5Bridging Finance SolutionsBridging Finance Solutions is a principal lender offering quick bridging loans for investors, developers, and advisors in the UK.£50,000–£2,000,000; 7%–24% APR; 1 to 18 months
6Recognise BankRecognise Bank delivers personalised financial solutions including bridging loans and commercial mortgages for SMEs in the UK.£250,000–£10,000,000; 6.5%–20.5% APR; Up to 24 months
7Hope CapitalHope Capital offers a range of innovative bridging loan solutions with an emphasis on flexibility and speed for UK businesses.£50,000–£2,500,000; 8.5%–26.5% APR; Up to 12 months
8Octopus PropertyOctopus Property provides bespoke bridging finance solutions and property loans for diverse UK business needs.£100,000–£5,000,000; 6%–22% APR; 1 to 36 months
9Shawbrook BankShawbrook Bank specializes in tailored financial services including bridging loans, commercial mortgages and asset finance in the UK.£20,000–£15,000,000; 5.5%–20% APR; 1 to 24 months
10LendInvestLendInvest offers online bridging loans and development finance solutions tailored for UK property professionals.£50,000–£7,500,000; 5%–20.5% APR; 1 to 18 months
Apply now