April 14, 2026
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Best Lenders to Secure a 420k Bridging Loan

Discover the best lenders to secure a £420,000 bridging loan. Compare rates, terms, and find expert tips on quick and easy bridging finance in the UK.
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Best Lenders to Secure a 420k 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 420k 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 quickly compare various business finance options through a straightforward application and eligibility process. It is typically suitable for franchise buyers and small businesses looking for unsecured loans with clear and predictable terms. The service emphasises speed and ease of access without requiring collateral, providing multiple repayment structures.

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 mortgage solutions tailored for property investors and SMEs. It suits borrowers seeking flexible lending with secured options and options for varied LTVs. The provider is noted for competitive rates and a lending process suited to those requiring short-term finance for property acquisitions or refinance.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0.85%
  • Max APR: 0.95%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • Flexible lending criteria
  • Competitive rates

Cons

  • Short loan terms

Sources: Source Source

3. Funding 365

Funding 365 offers tailored bridging and development loans primarily for residential and commercial properties. It is suitable for borrowers seeking property-secured loans with flexible repayment options and a streamlined application. The lender focuses on quick decisions and transparent terms for property-related finance needs across the UK.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.39%
  • Max APR: 0.64%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

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

Pros

  • No hidden charges
  • Quick funding decision

Cons

  • Limited consumer loan options

Sources: Source Source

4. Clifton Private Finance

Clifton Private Finance offers personalised lending solutions focused on property purchases and business finance needs. It caters to those looking for a range of loan sizes with variable terms and flexible lending structures. The provider typically serves borrowers requiring tailored advice and a broad set of financial products.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £25,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable ⌛

Services & Industries

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

Pros

  • Fast application process
  • Wide range of loans

Cons

  • APR details not disclosed

Sources: Source

5. Hampshire Trust Bank

Hampshire Trust Bank is a specialist bank providing bridging, development, mortgages, and asset finance to UK businesses. It is suitable for borrowers who require structured loans secured on property with varied repayment options. The bank emphasizes flexibility and bespoke loan terms aligned to commercial and property development projects.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 6.49%
  • Max APR: 0%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

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

Pros

  • Specialist lender
  • Flexibility in loan terms

Cons

  • Higher minimum loan amounts

Sources: Source Source

6. Hope Capital

Hope Capital specialises in short-term bridging finance focused on property-related funding needs. It is well suited for borrowers requiring fast decisions and loans secured against real estate. The lender offers a range of purposes, emphasising flexibility and relatively quick turnaround times.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0.89%
  • Max APR: 0.92%
  • Loan Duration: 3 to 18 months ⌛

Services & Industries

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

Pros

  • Quick decision making
  • Wide range of loan purposes

Cons

  • Restricted to property deals

Sources: Source

7. Octopus Real Estate

Octopus Real Estate delivers large-scale property financing solutions, including bridging and development loans. Their offerings are aimed at institutional and advanced property investors needing high-value loans with flexible terms. Lenders provide tailored structuring options with attention to sustainability and innovative real estate financing.

Loan Details

  • Min Amount: £5,000,000
  • Max Amount: £100,000,000
  • Min APR: 0.75%
  • Max APR: 0.995%
  • Loan Duration: 12 to 24 months ⌛

Services & Industries

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

Pros

  • Large loan capabilities
  • Flexible terms

Cons

  • High minimum loan amount

Sources: Source Source

8. LendInvest

LendInvest offers innovative financing for property acquisitions, buy-to-let and bridging loans. It is designed for borrowers and investors looking for technology-driven, scalable solutions with flexible loan structures. The platform provides access to various repayment types and is suited to investment property financing needs.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £500,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Bridging Loans, Buy-to-let Loans
  • Industries: Property Investment, Estate Lending

Pros

  • Innovative technology platform
  • Scalable investment solutions

Cons

  • Focus on property finance

Sources: Source Source

9. Masthaven Bank

Masthaven Bank provides flexible bridging and commercial loan products aimed at property developers and investors. This provider suits those seeking straightforward finance solutions with transparent terms. Masthaven supports various loan sizes and purposes within the UK market, offering quick access through streamlined applications.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 18 months ⌛

Services & Industries

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

Pros

  • Flexible lending
  • Wide application range

Cons

  • Limited to UK market

Sources: Source Source

10. Precise Mortgages

Precise Mortgages specialises in buy-to-let and homeowner loans with a focus on underserved borrower segments. It is suited for those seeking long-term mortgage solutions with tailored lending criteria. The lender offers various repayment options and targets niche markets within residential and investment sectors.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £1,000,000
  • Min APR: 5.78%
  • Max APR: 6.49%
  • Loan Duration: Up to 40 years ⌛

Services & Industries

  • Finance Types: Buy-to-let Loans, Homeowner Loans
  • Industries: Residential, Buy-to-let

Pros

  • Catering to niche markets
  • Comprehensive lending criteria

Cons

  • Primarily mortgage-focused

Sources: Source

How to choose

When selecting the best lender to secure a 420k bridging loan, consider your specific financing needs such as loan size, term flexibility, and APR range. Assess eligibility requirements, including collateral provisions and LTV bands, to ensure fit with your property or business scenario. Balance the urgency of funding against repayment options and potential early repayment charges. Also, evaluate whether you prefer dealing with brokers, banks, or specialist lenders based on your risk appetite and loan complexity. Always review product fees and the lender's service track record before committing.

Conclusion

When looking to secure a loan in the region of 420 thousand pounds, it is important to match the provider type to your use case. Banks typically offer structured lending products with regulated terms, while brokers can provide access to multiple lenders and a variety of loan options. Specialist lenders often deliver more flexible or niche finance solutions but may have different criteria or terms. Funding Agent is a practical choice for SMEs looking to quickly compare various loan options. Always verify current product details and pricing as these can vary over time and by circumstance.

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FAQs

What is a bridging loan?
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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 specializes in bridging loans and commercial mortgages, providing flexible solutions to SMEs and property investors.£50,000–£5,000,000; 0.85%–0.95% APR; 1 to 24 months
3Funding 365Funding 365 offers bespoke bridging and development loans for residential and commercial properties across the UK.£100,000–£5,000,000; 0.39%–0.64% APR; Up to 24 months
4Clifton Private FinanceClifton Private Finance provides high-quality lending advice and financial solutions for property purchases and business needs.£3,000–£25,000,000; 0%–0% APR; Variable
5Hampshire Trust BankHampshire Trust Bank (HTB) is a specialist bank offering mortgages, bridging, development, and asset finance to UK businesses.£100,000–£10,000,000; 6.49%–0% APR; 3 to 60 months
6Hope CapitalHope Capital specializes in short-term bridging finance for various property-related funding needs across the UK.£100,000–£5,000,000; 0.89%–0.92% APR; 3 to 18 months
7Octopus Real EstateOctopus Real Estate provides customized property financing solutions including bridging and development loans across the UK.£5,000,000–£100,000,000; 0.75%–0.995% APR; 12 to 24 months
8LendInvestLendInvest provides innovative financing solutions for property investments, including bridging and buy-to-let loans.£1,000,000–£500,000,000; 0%–0% APR; Flexible
9Masthaven BankMasthaven Bank offers flexible finance products like bridging loans, designed to suit the needs of property developers and investors.£100,000–£5,000,000; 0%–0% APR; Up to 18 months
10Precise MortgagesPrecise Mortgages offers a range of buy-to-let and homeowner loans, focusing on underserved borrowers with innovative lending products.£25,001–£1,000,000; 5.78%–6.49% APR; Up to 40 years
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