April 14, 2026
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Best Lenders to Secure a 490k Bridging Loan

Discover the top lenders offering competitive bridging loans up to £490,000. Learn how to secure fast and flexible financing for your property needs today.
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Best Lenders to Secure a 490k 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 490k 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 providing fast comparisons of business finance options for UK SMEs through a simple application process. It is suitable for franchise buyers and operators looking for quick access to unsecured finance with transparent terms. The service offers flexibility in finance types and does not require collateral, with brokered access to multiple lenders.

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 concentrates on specialist bridging loans tailored to property investors and SMEs in the UK. It is suited for those needing short-term finance secured on property, with an emphasis on speed and competitive rates. The lender provides flexible term options and is primarily focused on property-related financing.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 5.1%
  • Max APR: 12.5%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • Fast approval processes
  • Competitive rates

Cons

  • Short loan terms

Sources: Source

3. Funding 365

Funding 365 specialises in bridging loans for commercial properties, offering tailored financial solutions with competitive rates. It is suited for borrowers seeking flexible terms and high loan-to-value lending secured on commercial real estate. The lender focuses on property purchase and refinance for UK SMEs.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £5,000,000
  • Min APR: 6%
  • Max APR: 13.5%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

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

Pros

  • Bespoke loan structures
  • High LTV rates

Cons

  • Limited to property-related lending

Sources: Source

4. KIS Finance

KIS Finance provides secured and unsecured lending solutions with competitive rates, catering to UK SMEs across various sectors. Suitable for borrowers needing flexible lending terms with security options, it offers support for working capital and property-backed finance. Access and terms may involve intermediary brokers and advisory services.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £1,000,000
  • Min APR: 7.2%
  • Max APR: 15%
  • Loan Duration: 6 to 36 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Bridging Loans
  • Industries: General Business, SMEs

Pros

  • Flexible lending terms
  • Expert advisory services

Cons

  • Broker fees may apply

Sources: Source

5. Octane Capital

Octane Capital offers bridging loans and refurbishment finance focused on property investors in the UK. It is suitable for those requiring flexible finance to support property purchases or improvements. The provider offers loans with varied terms and competitive rates, often targeting investment and development activities.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £25,000,000
  • Min APR: 8%
  • Max APR: 14%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Refurbishment Finance
  • Industries: Property Investment

Pros

  • High loan amounts
  • No exit fees

Cons

  • Higher interest rates

Sources: Source

6. Greenfield Mortgages

Greenfield Mortgages is a lender offering bridging loans for both residential and commercial properties, operating mainly in England and Wales. It suits borrowers needing short-term finance secured on property, with a focus on timely processing and traditional security requirements. The provider emphasises property-related bridging arrangements.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £3,000,000
  • Min APR: 7.5%
  • Max APR: 13.5%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • Solid reputation
  • Rapid processing

Cons

  • Geographic restrictions

Sources: Source

7. Precise Mortgages

Precise Mortgages provides bridging finance and residential mortgage products, primarily via intermediaries in the UK. It suits borrowers seeking tailored solutions for property purchase or refinance with flexible repayment options. The lender focuses on residential sectors with an emphasis on transparency and diverse product offerings.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,500,000
  • Min APR: 6.9%
  • Max APR: 12.9%
  • Loan Duration: up to 18 months ⌛

Services & Industries

  • Finance Types: Bridging Finance, Residential Mortgages
  • Industries: Residential Properties

Pros

  • No early repayment charges
  • Diverse product range

Cons

  • Available through intermediaries

Sources: Source

8. Tuscan Capital

Tuscan Capital specialises in short-term property finance, offering bridging and auction finance to residential and commercial sectors. It is well-suited for borrowers requiring tailored, flexible loan packages with quick access and short durations. The lender focuses on bridging arrangements with property security in the UK market.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 7%
  • Max APR: 14.5%
  • Loan Duration: 1 to 12 months ⌛

Services & Industries

  • Finance Types: Short-Term Loans, Auction Finance
  • Industries: Real Estate

Pros

  • Unmatched expertise
  • Tailored loan packages

Cons

  • Higher short-term rates

Sources: Source

9. Oblix Capital

Oblix Capital provides bridging finance and development loans focused on residential and commercial real estate development. It is suitable for borrowers requiring structured lending with security and development funding. The lender offers tailored solutions with a focus on property market needs in the UK.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £5,000,000
  • Min APR: 7.5%
  • Max APR: 13.8%
  • Loan Duration: 6 to 24 months ⌛

Services & Industries

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

Pros

  • Common sense approach
  • Diverse real estate portfolio

Cons

  • Complex application process

Sources: Source

10. Hope Capital

Hope Capital is a bridging loan provider serving England, Wales, and Scotland with a focus on competitive rates and rapid funding. It is suited for borrowers requiring flexible and straightforward property finance solutions. The provider emphasises ease of access, regional reach, and tailored lending terms.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 6.8%
  • Max APR: 12.5%
  • Loan Duration: up to 18 months ⌛

Services & Industries

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

Pros

  • Quick funding
  • High service level

Cons

  • Limited to certain regions

Sources: Source

How to choose

When securing a 490k bridging loan, carefully assess loan size, APR, and term to match your budget and cash flow needs. Consider lender eligibility criteria and weigh the importance of application speed versus product flexibility. Check the security requirements, including collateral and loan-to-value ratios. Investigate fees, repayment options, and any early termination charges. Comparing brokered access with direct lenders may also affect availability and terms. A clear understanding of these factors ensures a better fit for your franchise financing needs.

Conclusion

Selecting the right provider depends on your specific use case and loan requirements. Banks may offer traditional mortgages with stricter criteria but lower rates, whereas brokers like Funding Agent provide faster comparisons across multiple options. Specialist lenders often cater to niche or asset-backed loans with flexible terms but may have higher rates. Matching provider type to your franchise or property needs helps optimise funding outcomes. Always verify current terms directly with the lender before proceeding.

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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
2MT FinanceMT Finance offers specialist bridging loans, delivering short-term finance solutions tailored to property investors and SMEs in the UK.£100,000–£5,000,000; 5.1%–12.5% APR; 1 to 24 months
3Funding 365Funding 365 is a leading independent bridging lender, providing tailored loan solutions with competitive rates for commercial properties in the UK.£75,000–£5,000,000; 6%–13.5% APR; 3 to 24 months
4KIS FinanceKIS Finance specializes in providing competitive finance options, offering a range of secured and unsecured lending to UK businesses.£50,000–£1,000,000; 7.2%–15% APR; 6 to 36 months
5Octane CapitalOctane Capital offers flexible bridging loans and refurbishment finance to ambitious property investors across the UK.£100,000–£25,000,000; 8%–14% APR; 3 to 24 months
6Greenfield MortgagesGreenfield Mortgages is a specialist lender offering bridging loans for residential and commercial properties across England and Wales.£75,000–£3,000,000; 7.5%–13.5% APR; 1 to 24 months
7Precise MortgagesPrecise Mortgages provides tailored bridging finance and residential mortgage solutions, available through intermediaries in the UK.£50,000–£2,500,000; 6.9%–12.9% APR; up to 18 months
8Tuscan CapitalTuscan Capital specializes in short-term property finance, offering bridging loans with flexible terms to residential and commercial sectors in the UK.£100,000–£10,000,000; 7%–14.5% APR; 1 to 12 months
9Oblix CapitalOblix Capital offers bridging finance and development loans for residential and commercial real estate sectors in the UK.£100,000–£5,000,000; 7.5%–13.8% APR; 6 to 24 months
10Hope CapitalHope Capital is a specialist bridging loan provider operating throughout England, Wales, and Scotland, offering competitive rates and fast funding solutions.£50,000–£5,000,000; 6.8%–12.5% APR; up to 18 months
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