April 14, 2026
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Best Lenders to Secure a 390k Bridging Loan

Discover the best lenders offering bridging loans up to £390,000. Compare rates, terms, and find the right short-term finance solution for your needs in the UK.
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Best Lenders to Secure a 390k Bridging Loan
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Lenders to Secure a 390k 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 is focused on providing quick comparisons of business finance options for UK SMEs. It is suitable for franchise buyers and businesses seeking working capital secured on property or other assets. The platform offers fast eligibility matching, flexible application routes and clear loan terms with no collateral required for some products.

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. Castle Trust Bank

Castle Trust Bank specialises in property finance including bridging and buy-to-let loans. It mainly suits borrowers seeking financing for property purchase or refinance with secured lending. The bank offers flexible terms and fast approvals, focusing on loans secured against property assets with varying loan-to-value options.

Loan Details

  • Min Amount: £200,000
  • Max Amount: £5,000,000
  • Min APR: 8%
  • Max APR: 0%
  • Loan Duration: 6 to 18 months ⌛

Services & Industries

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

Pros

  • Fast approvals
  • Flexible terms

Cons

  • Focused primarily on property investments

Sources: Source

3. Together Money

Together Money offers secured lending solutions across business and personal markets in the UK. It is suitable for borrowers needing secured loans for commercial or residential property investments. Clients benefit from flexible lending criteria, varied repayment options and streamlined decision-making processes.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £2,000,000
  • Min APR: 10.04%
  • Max APR: 0%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Commercial Mortgages
  • Industries: Commercial Property, Residential Property

Pros

  • Flexible lending criteria
  • Fast decision-making

Cons

  • Higher interest rates for non-standard cases

Sources: Source

4. United Trust Bank

United Trust Bank provides specialist lending across asset finance, mortgages, and property development. It suits borrowers seeking loans secured by property or assets, offering a variety of flexible products. Terms are adaptable with a focus on financing larger projects within real estate and SME markets.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

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

Pros

  • Flexible terms
  • Wide range of asset finance options

Cons

  • Primarily focused on larger loans

Sources: Source

5. Hampshire Trust Bank

Hampshire Trust Bank is a specialised lender targeting business finance for property investment, development, and asset finance. It typically serves borrowers needing sizeable loans with a focus on commercial real estate and development projects. Loan products offer flexibility but require higher minimum amounts and tend to involve secured lending.

Loan Details

  • Min Amount: £3,000,000
  • Max Amount: £25,000,000
  • Min APR: 6.49%
  • Max APR: 0%
  • Loan Duration: Up to 6 years ⌛

Services & Industries

  • Finance Types: Commercial Loans, Asset Finance
  • Industries: Property Development, Asset Finance

Pros

  • Specialist bank with in-depth expertise
  • Flexible loan products

Cons

  • High minimum loan amounts

Sources: Source

6. Funding 365

Funding 365 provides short-term bridging loans for residential and commercial property finance. The lender focuses on competitive rates and rapid processing, making it suitable for borrowers needing quick access to bridging finance. Loan terms suit property purchase, refinance, or development with flexible structures.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.64%
  • Max APR: 0%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

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

Pros

  • Quick approvals
  • Competitive rates

Cons

  • Short loan durations

Sources: Source

7. MT Finance

MT Finance specialises in short-term bridging loans and commercial mortgages, tailored to individual borrower profiles. It suits clients requiring bridging finance for property purchases or refinance with attention to flexible repayment terms. The lender offers options with no early exit fees and adapts to commercial and residential needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

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

Pros

  • Tailored lending solutions
  • No early exit fees

Cons

  • Higher interest rates

Sources: Source

8. Propp

Propp is a digital comparison platform for bridging and commercial finance, helping businesses and individuals find suitable loans. It targets borrowers seeking loans secured on property or commercial investments. The platform emphasises easy access, expert guidance and optimisation of available loan products.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £4,000,000
  • Min APR: 0.75%
  • Max APR: 0.995%
  • Loan Duration: 12 to 24 months ⌛

Services & Industries

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

Pros

  • Digital platform for easy comparisons
  • Expert guidance

Cons

  • Limited to bridging and commercial loans

Sources: Source

9. KIS Finance

KIS Finance provides independent financial advice and offers loan options, including secured and unsecured loans for UK businesses. It is suited for borrowers needing a range of financing types and personalised support. Transparency may be limited online but the lender covers various sectors.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured Loans, Bridging Finance
  • Industries: Various

Pros

  • Extensive knowledge in finance options
  • Personalised service

Cons

  • Limited online transparency

Sources: Source

10. Precise Mortgages

Precise Mortgages specialises in residential and commercial bridging loans for quick financing solutions. It suits borrowers needing rapid access to funds with bridging finance for property-related projects. Loan products offer no early repayment charges and straightforward application processes.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 18 months ⌛

Services & Industries

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

Pros

  • Quick access to funds
  • No early repayment charges

Cons

  • Higher interest rates for specific offers

Sources: Source

How to choose

When securing a 390k bridging loan, match the loan size and APR to your budget and borrowing needs. Assess eligibility requirements carefully and balance the speed of access against the flexibility of terms. Check whether loans require collateral, what loan-to-value ranges apply, and what repayment options are offered. Consider the lender’s experience with franchise buyers and property finance. Evaluate fees, early repayment terms and whether the lender offers brokered or direct access. These factors help ensure your bridging loan aligns with your cash flow and project timeline.

Conclusion

Choosing the right lender depends on your specific use case for a 390 thousand pounds loan. Banks often serve those needing larger or asset-backed loans, specialist lenders cater to tailored bridging or commercial finance needs, while brokers provide access to multiple options. Funding Agent is suitable for SMEs seeking quick comparisons and straightforward applications. Always verify current terms and conditions with lenders before proceeding. Careful matching of lender type to project needs supports better financing outcomes.

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FAQs

What is a bridging loan and how does it work?
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What are the eligibility criteria for securing a bridging loan of £390,000?
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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
2Castle Trust BankCastle Trust Bank provides specialized property loans, including bridging and buy-to-let finance, focusing on providing innovative funding solutions.£200,000–£5,000,000; 8%–0% APR; 6 to 18 months
3Together MoneyTogether Money is a specialist lender offering a wide range of secured lending solutions for business and personal customers in the UK.£30,000–£2,000,000; 10.04%–0% APR; 12 to 60 months
4United Trust BankUnited Trust Bank offers a variety of specialist lending services, including asset finance, mortgages, and property development funding.£100,000–£10,000,000; 0%–0% APR; Up to 5 years
5Hampshire Trust BankHampshire Trust Bank specialises in providing business loans, focusing on real estate investment, development, and asset finance in the UK.£3,000,000–£25,000,000; 6.49%–0% APR; Up to 6 years
6Funding 365Funding 365 provides fast and flexible short-term bridging loans with competitive rates, catering to both residential and commercial property finance needs.£100,000–£5,000,000; 0.64%–0% APR; 3 to 24 months
7MT FinanceMT Finance is known for its specialist lending solutions, including short-term bridging loans and commercial mortgages tailored to individual borrower needs.£50,000–£10,000,000; 11.2%–0% APR; 3 to 24 months
8ProppPropp is a new-age digital platform that helps businesses and individuals source appropriate bridging and commercial finance through comparison and optimization of available loan products.£250,000–£4,000,000; 0.75%–0.995% APR; 12 to 24 months
9KIS FinanceKIS Finance specialises in providing independent financial advice and loan options, including secured and unsecured loans for UK businesses.£0–£0; 0%–0% APR; Unknown
10Precise MortgagesAs a specialist lender, Precise Mortgages offers a range of residential and commercial bridging loans, helping customers with rapid financing solutions.£0–£0; 0%–0% APR; 1 to 18 months
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