Best Lenders to Secure a 440k 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 a platform focused on helping UK SMEs access a variety of unsecured business finance options through a user-friendly application process. It is suitable for those seeking working capital or business loans with predictable terms and without collateral. The service emphasises speed, ease of application, and quick eligibility matching for prospective borrowers.
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 primarily offers bridging loans and commercial mortgages aimed at property investors and small to medium-sized enterprises. It works well for clients needing short-term finance secured on property, with options suited for refinancing or purchasing investments. Flexibility in lending criteria and efficient processing are important features of their offerings.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 0.64%
- Max APR: 1.5%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loan, Buy-to-Let Mortgage
- Industries: Real Estate, Commercial Property
Pros
- Flexible lending criteria
- Efficient approval process
Cons
- Higher rates for larger loans
Funding 365 is an independent bridging lender providing competitive rates with options accommodating higher loan-to-value ratios. It suits borrowers involved in commercial real estate who require swift access to bridging capital with tailored repayment terms. The lender emphasises flexibility in loan structuring to meet diverse funding needs.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 7.9%
- Max APR: 12.9%
- Loan Duration: 3 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loan
- Industries: Commercial Real Estate
Pros
- Bespoke rates
- Fast approval
Cons
- Limited to specific property types
Goldentree Financial Services delivers secured short-term loans for property-related commercial projects, focusing on bridging finance needs. It is suitable for developers or investors seeking loans secured on real estate with relatively fast decisions and competitive pricing. Offers are structured to support a variety of project types with suitable repayment options.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 0.89%
- Max APR: 1.5%
- Loan Duration: 3 to 18 months ⌛
Services & Industries
- Finance Types: Secured Loan, Bridging Loan
- Industries: Real Estate Development
Pros
- Wide range of financing options
- Prompt decision making
Hampshire Trust Bank provides specialist finance solutions for residential and commercial development projects. It is suited for developers and businesses needing tailored funding with competitive rates and flexible loan packages. The lender offers a range of repayment options and focuses on loans secured against property assets.
Loan Details
- Min Amount: £150,000
- Max Amount: £20,000,000
- Min APR: 6.5%
- Max APR: 15%
- Loan Duration: 6 to 36 months ⌛
Services & Industries
- Finance Types: Development Finance, Bridging Loan
- Industries: Development Finance, Real Estate
Pros
- Expertise in development finance
- Customizable loan packages
Hope Capital specialises in flexible bridging loans for residential and commercial properties, offering efficient approvals and competitive terms. It is well suited for borrowers needing quick access to bridging finance on a variety of property types. The service offers adaptable loan structures, including fast decision-making and tailored repayment options.
Loan Details
- Min Amount: £50,000
- Max Amount: £5,000,000
- Min APR: 0.65%
- Max APR: 1.2%
- Loan Duration: 3 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loan
- Industries: Real Estate, Commercial Property
Pros
- Quick approvals
- Capital for unique properties
LendInvest offers a broad range of property finance products including bridging, development, and buy-to-let loans. This provider suits investors and developers requiring structured lending with options across various property sectors. The lender focuses on loan flexibility, competitive rates, and brokered access to accommodate diverse client needs.
Loan Details
- Min Amount: £200,000
- Max Amount: £10,000,000
- Min APR: 0.69%
- Max APR: 1.99%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loan, Development Loan
- Industries: Property Development, Real Estate Investment
Pros
- Comprehensive loan solutions
- Strong track record
Octopus Real Estate focuses on providing lending solutions tailored to property developers including bridging and development loans. Suitable for larger projects, it offers flexible lending terms and structured financing options. Their services emphasise support for commercial property ventures and complex real estate developments.
Loan Details
- Min Amount: £500,000
- Max Amount: £20,000,000
- Min APR: 0.75%
- Max APR: 2%
- Loan Duration: 6 to 36 months ⌛
Services & Industries
- Finance Types: Bridging Loan, Development Loan
- Industries: Real Estate Development, Commercial Property
Pros
- Flexible lending terms
- Specialist in large projects
Cons
- Higher minimum loan amounts
Precise Mortgages provides a variety of mortgage products including bridging finance designed for residential and commercial properties. It is suitable for borrowers seeking flexible repayment options and loans through intermediary channels. The lender emphasises no exit fees and adaptable loan terms to support different property investment needs.
Loan Details
- Min Amount: £25,000
- Max Amount: £3,000,000
- Min APR: 0.69%
- Max APR: 1.89%
- Loan Duration: 1 to 18 months ⌛
Services & Industries
- Finance Types: Bridging Loan
- Industries: Residential Property, Commercial Property
Pros
- No exit fees
- Flexible repayment options
Cons
- Limited to intermediary channels
Oblix Capital specialises in bridging loans designed to support a range of real estate investment projects. It caters to borrowers requiring tailored loan products with structured repayment schedules. The lender offers expertise in handling complex financing needs within the commercial property sector.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 0.75%
- Max APR: 2.5%
- Loan Duration: 3 to 24 months ⌛
Services & Industries
- Finance Types: Bridging Loan
- Industries: Real Estate Investment, Commercial Property
Pros
- Tailored loan products
- Highly experienced team
Cons
- Strict application criteria
How to choose
When securing a 440k bridging loan, assess how each lender's loan size, APR, and terms fit your budget and business needs. Evaluate eligibility to ensure you meet criteria like collateral and credit requirements. Prioritise lenders offering a balance between application speed and flexibility, especially regarding repayment options and fees. Consider how loan repayments align with your franchise's cash flow and seasonal income. Review the lender's reputation, fees, and any early repayment conditions before committing. Utilize brokered access or direct lenders depending on your preference for personal guidance or streamlined processing.
Conclusion
Choosing the right lender for a 440 thousand pounds loan depends on your specific needs. Banks often suit borrowers seeking structured development finance or large loans. Brokers like Funding Agent offer fast, broad comparisons for unsecured or smaller business loans. Specialist lenders provide tailored bridging finance for property investments or unique financing scenarios. Always use the Funding Agent link to compare options efficiently and verify terms directly with providers to find the best fit for your situation.