April 14, 2026
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Best Lenders to Secure a 480k Bridging Loan

Discover the top lenders offering bridging loans up to £480,000. Learn about rates, terms, and how to secure the best deal for your short-term finance needs.
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Best Lenders to Secure a 480k 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 480k 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 simplifying access to unsecured business finance for UK SMEs. It is suitable for franchise buyers and operators looking for clear funding options and a fast application process. The platform offers quick eligibility checks and flexible choices with no 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. Funding 365

Funding 365 provides bridging loans focused on property investment projects. Its solutions suit borrowers needing quick and versatile finance tailored to property purchases or refinance. Offers include competitive rates with flexibility in loan terms, catering to investors with diverse lending needs.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 7.68%
  • Max APR: 9.24%
  • Loan Duration: 3 to 18 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Development finance, Commercial bridging loans
  • Industries: Real estate, Commercial

Pros

  • Fast approval process
  • Bespoke lending rates

Cons

  • Higher rates for short-term loans

Sources: Source

3. Hampshire Trust Bank

Hampshire Trust Bank focuses on providing financial solutions tailored to SMEs through a bank structure. Its offerings are well-suited to borrowers seeking development finance or commercial funding backed by property security. Loans typically offer predictable repayment options with flexible terms aligned to business growth.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £25,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Development finance, Commercial finance
  • Industries: Construction, Commercial property

Pros

  • Flexible terms
  • Specialist in development finance

Cons

  • Geared towards larger enterprises

Sources: Source

4. Goldentree Financial Services

Goldentree Financial Services specialises in secured short-term lending for a variety of business needs. It is suitable for borrowers seeking property-secured loans with flexible repayment terms. Their solutions are designed for clients prioritising secured finance that supports development and commercial projects.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Commercial development finance
  • Industries: Real estate, Development

Pros

  • Specializes in commercial development

Cons

  • Short loan durations

Sources: Source

5. Hana Capital

Hana Capital operates as a privately funded principal lender with a focus on bridging loans. It is suited for borrowers needing quick decisions and personalised service for commercial or residential property finance. The lender offers straightforward terms aimed at providing rapid funding with competitive repayment structures.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £50,000,000
  • Min APR: 9.48%
  • Max APR: 11.48%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Commercial, Residential

Pros

  • Fast funding
  • High maximum loan amount

Cons

  • Higher rate for bridge loans

Sources: Source

6. Octane Capital

Octane Capital offers customised lending solutions focusing on bridging and development finance for property investors. Its services offer flexibility and adaptability for complex funding requirements. The lender is geared towards clients who require tailored finance arrangements beyond standard SME lending.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 8.76%
  • Max APR: 0%
  • Loan Duration: 3 to 18 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Development finance
  • Industries: Property, Development

Pros

  • No exit fees
  • Flexible options

Cons

  • Not a general SME lender

Sources: Source

7. Hilco Capital

Hilco Capital specialises in special situations investing, delivering tailored financial services to real estate and corporate clients. It is appropriate for large-scale borrowers needing specialist lending expertise. The lender offers customised loans aimed at complex transactions with flexible terms and strategic advisory support.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £150,000,000
  • Min APR: 7.2%
  • Max APR: 0%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging loans, Real estate finance
  • Industries: Real estate, Corporate

Pros

  • Large transaction capabilities
  • Specialist lending expertise

Cons

  • Focus on high-value transactions

Sources: Source

8. Haslebrow

Haslebrow is a private lender providing unregulated short-term property finance with flexible bridging loan options. It is suitable for investors needing fast completions and minimal formal valuation requirements. The lender offers adaptable terms for clients prioritising speed and simplicity in property finance.

Loan Details

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

Services & Industries

  • Finance Types: Bridging loans
  • Industries: Property

Pros

  • Rapid completions
  • No formal valuations required

Cons

  • Lacks detailed APR information

Sources: Source

9. Funding Circle

Funding Circle operates as a platform facilitating small business loans across the UK. It is suited for SMEs seeking unsecured finance or working capital with competitive rates and transparent pricing. The lending is brokered, offering flexible solutions with a focus on speed and fairness.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 4.9%
  • Max APR: 27.8%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, Working capital loans
  • Industries: Various

Pros

  • Transparent pricing
  • Fast funds delivery

Cons

  • Not a direct lender

Sources: Source

10. Nucleus Commercial Finance

Nucleus Commercial Finance offers flexible alternative lending combined with traditional finance methods aimed at SMEs. Its products suit borrowers needing adaptable solutions for cash flow or asset-backed loans. The lender supports varied industries with a focus on tailored loan terms and specialist SME assistance.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 72 months ⌛

Services & Industries

  • Finance Types: Business cash flow loans, Asset based lending
  • Industries: Various

Pros

  • Customizable solutions
  • Specialist SME support

Cons

  • Interest rate transparency could be improved

Sources: Source

How to choose

When selecting a lender for a 480k bridging loan, assess your loan amount and APR tolerance carefully. Prioritise lenders offering terms that match your property purchase or refinance needs. Verify eligibility criteria and understand the balance between speed and flexibility, as some lenders specialise in quick decision-making while others offer longer-term solutions. Consider whether you require secured or unsecured finance and evaluate the loan-to-value limits that apply. Also, review fees, repayment options, and early repayment policies before making your choice.

Conclusion

Matching the right lender to your borrowing needs is essential for a 480 thousand pounds loan. Banks generally suit larger, more conventional loans with structured terms. Brokers and specialist lenders may offer greater flexibility and quick turnaround for bridging finance. Funding Agent is a useful platform for comparing options quickly across multiple providers. Always verify terms directly with lenders to ensure the best fit for your circumstances.

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FAQs

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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
2Funding 365Funding 365 is an independent bridging lender providing quick and versatile lending solutions up to £10 million, tailored specifically for the needs of property investment projects.£100,000–£10,000,000; 7.68%–9.24% APR; 3 to 18 months
3Hampshire Trust BankHampshire Trust Bank is a UK-based specialist bank offering financial solutions tailored to the needs of SMEs, including development finance and savings products.£250,000–£25,000,000; 0%–0% APR; 6 to 60 months
4Goldentree Financial ServicesGoldentree Financial Services specializes in secured short-term lending, offering funding solutions for a diverse range of business purposes.£100,000–£10,000,000; 0%–0% APR; 3 to 24 months
5Hana CapitalHana Capital is a privately funded principal lender specializing in bridging loans with quick decision-making processes and personal service.£500,000–£50,000,000; 9.48%–11.48% APR; 1 to 24 months
6Octane CapitalOctane Capital offers bespoke lending solutions through bridging and development finance, accommodating complex funding scenarios for property investors.£0–£0; 8.76%–0% APR; 3 to 18 months
7Hilco CapitalHilco Capital is a leading special situations investor providing tailored financial services and solutions to real estate and corporate clients across the UK.£1,000,000–£150,000,000; 7.2%–0% APR; 3 to 24 months
8HaslebrowHaslebrow is a private lender specializing in unregulated short-term property finance, offering flexible bridging solutions for investors.£0–£0; 0%–0% APR; Up to 18 months
9Funding CircleFunding Circle is a leading platform for small business loans across the UK, providing businesses with fast and fair finance solutions.£10,000–£500,000; 4.9%–27.8% APR; 6 to 60 months
10Nucleus Commercial FinanceNucleus Commercial Finance combines the flexibility of alternative lending with the stability and reliability of traditional financing methods for SMEs.£5,000–£5,000,000; 0%–0% APR; 3 to 72 months
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