April 14, 2026
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Best Lenders to Secure a 400k Bridging Loan

Discover the best lenders offering bridging loans up to £400,000. Learn how to secure a bridging loan quickly with competitive rates and flexible terms in the UK.
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Best Lenders to Secure a 400k Bridging Loan
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Lenders to Secure a 400k 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 access a range of unsecured business finance solutions through an efficient comparison platform. It is suitable for businesses seeking working capital without providing collateral, with fast eligibility checks and transparent terms. Funding Agent offers flexibility in loan terms and supports a straightforward application process for quick decisions.

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 provides bridging loans and commercial mortgages with a focus on fast and flexible property finance solutions. It is suitable for borrowers needing short-term funding secured on property for purchase or refinance. MT Finance offers a variety of loan structures with competitive rates and responsive service.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 18%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

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

Pros

  • Quick decision making
  • Flexible loan terms

Cons

  • Interest rates can be high

Sources: Source

3. Funding 365

Funding 365 offers bespoke bridging loans tailored to short-term property finance needs, with competitive pricing and terms. It serves those requiring finance for property developments or commercial purchases, combining flexibility in repayment options with quick processing. Loans are secured and designed to meet a range of property finance scenarios.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 8%
  • Max APR: 15%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • Bespoke loan terms
  • Fast processing

Cons

  • Short loan terms

Sources: Source

4. Goldentree Financial Services

Goldentree Financial Services specialises in secured short-term lending mainly for business and property development purposes. It is suitable for borrowers needing larger loan amounts backed by property security. The lender is known for robust underwriting, flexible loan terms, and a focus on development and commercial property sectors.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 7.5%
  • Max APR: 16%
  • Loan Duration: 6 to 36 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Development Finance
  • Industries: Real Estate, Business Development

Pros

  • High loan amounts
  • Flexible uses

Cons

  • Requires property as collateral

Sources: Source

5. Hana Capital

Hana Capital offers flexible bridging loan solutions tailored to commercial projects and property development. It suits businesses requiring substantial finance with adaptable repayment options and competitive terms. The provider emphasises customised lending to meet diverse business needs with secured loan products.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £50,000,000
  • Min APR: 9%
  • Max APR: 18%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • Large loan amounts available
  • Flexible terms

Cons

  • Higher interest rates

Sources: Source

6. Hope Capital

Hope Capital provides specialist bridging finance with a focus on speed and flexibility for a variety of UK-based projects. Its loans suit borrowers looking for property-secured short-term solutions with straightforward application and quick funding decisions. Hope Capital supports a range of commercial and small business financing needs.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 8.5%
  • Max APR: 17.5%
  • Loan Duration: 3 to 18 months ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Real Estate, Small Business

Pros

  • Quick funding decisions
  • Flexible solutions

Cons

  • Short repayment terms

Sources: Source

7. Hampshire Trust Bank

Hampshire Trust Bank specialises in bridging and development finance focused on commercial real estate. It is suitable for borrowers looking for custom loan structures with competitive rates and specialist underwriting. The lender supports a range of property-secured financing options with emphasis on larger development projects.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £20,000,000
  • Min APR: 6.5%
  • Max APR: 14%
  • Loan Duration: 6 to 36 months ⌛

Services & Industries

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

Pros

  • Specialist in complex deals
  • Competitive rates

Cons

  • Strict lending criteria

Sources: Source

8. Helmsley Group

Helmsley Group offers commercial lending through syndicated loan investments tailored to property and investment projects. It suits borrowers seeking rapid funding with access to investor-backed loan structures and flexible terms. Helmsley supports a variety of investment properties and commercial real estate financing.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £2,500,000
  • Min APR: 7%
  • Max APR: 16%
  • Loan Duration: 6 to 18 months ⌛

Services & Industries

  • Finance Types: Syndicated Loans, Property Loans
  • Industries: Commercial Real Estate, Investment Properties

Pros

  • Rapid access to funds
  • Syndicated investment support

Cons

  • Limited to select investors

Sources: Source

9. Hilco Global

Hilco Global specialises in asset-based and real estate financing designed to support capital optimisation for business growth and restructuring. Its products suit companies with property or assets seeking flexible funding through structured finance solutions. Hilco Global combines expertise in business restructuring with tailored lending options.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 7.5%
  • Max APR: 19%
  • Loan Duration: 6 to 24 months ⌛

Services & Industries

  • Finance Types: Asset-Based Loans, Real Estate Finance
  • Industries: Real Estate, Business Restructuring

Pros

  • Flexible financing options
  • Strong global presence

Cons

  • Complex loan structures

Sources: Source

10. Nucleus Commercial Finance

Nucleus Commercial Finance provides a wide range of business funding options suitable for small to large enterprises. It is adapted for borrowers requiring flexible loans including secured and unsecured products for growth capital or operational needs. The provider focuses on offering clear terms with a streamlined approval process.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 5.5%
  • Max APR: 12.5%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Business Loans, SME Financing
  • Industries: Small Business, Growth Capital

Pros

  • Flexible terms
  • Fast approval process

Cons

  • Higher rates for riskier profiles

Sources: Source

How to choose

When securing a 400k bridging loan, consider the lender’s focus and your borrowing purpose. Evaluate loan size and APR against your budget and expected cash flow. Check if the lender requires property as security and whether their terms fit your repayment capacity. Factor in the speed of funding, flexibility in loan structure, and eligibility criteria. Balancing these elements will help ensure the selected lender matches your financial needs and project timeline.

Conclusion

Selecting the right lender depends on your specific needs and project scale. Banks generally suit established borrowers seeking traditional or commercial mortgages. Brokers can offer access to multiple providers and a broader product range. Specialists focus on niche financing like bridging or development loans secured on property assets. Funding Agent is useful for SMEs wanting a fast way to compare options. Always confirm up-to-date terms for your 400 thousand pounds loan before committing.

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FAQs

What is a bridging loan and how does it work?
Can I get a bridging loan for £400,000?
What are the eligibility criteria for a £400k bridging loan?
How quickly can I secure a £400k bridging loan?
What are the typical interest rates for bridging loans of £400,000?
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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
2MT FinanceMT Finance is a leading property finance lender, specializing in bridging loans and commercial mortgages, known for fast and flexible options.£50,000–£10,000,000; 6%–18% APR; 3 to 24 months
3Funding 365Funding 365 offers bespoke short-term bridging loans with competitive rates for various property needs including commercial developments.£100,000–£5,000,000; 8%–15% APR; 1 to 24 months
4Goldentree Financial ServicesGoldentree Financial Services provides secured short-term loans for a variety of business purposes, known for its robust property lending.£100,000–£10,000,000; 7.5%–16% APR; 6 to 36 months
5Hana CapitalHana Capital specializes in bridging loans with a unique, flexible approach to meet the financial requirements of businesses and projects.£500,000–£50,000,000; 9%–18% APR; 1 to 24 months
6Hope CapitalHope Capital provides specialist bridging finance solutions, supporting clients across the UK with quick and flexible funding options.£100,000–£5,000,000; 8.5%–17.5% APR; 3 to 18 months
7Hampshire Trust BankHampshire Trust Bank is a specialist lender providing bridging and development finance, focusing on commercial properties and custom loans.£250,000–£20,000,000; 6.5%–14% APR; 6 to 36 months
8Helmsley GroupHelmsley Group offers syndicated loan investments and commercial lending solutions, facilitating investments and rapid loan provision.£250,000–£2,500,000; 7%–16% APR; 6 to 18 months
9Hilco GlobalHilco Global is a provider of asset-based and real estate financing solutions, enabling clients to optimize capital for growth and restructuring.£50,000–£5,000,000; 7.5%–19% APR; 6 to 24 months
10Nucleus Commercial FinanceNucleus Commercial Finance provides versatile business funding options, ranging from small business loans to large secured loans.£3,000–£2,000,000; 5.5%–12.5% APR; 3 to 60 months
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