April 14, 2026
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Best Lenders to Secure a 500k Bridging Loan

Discover the top lenders offering £500k bridging loans in the UK. Learn how to secure fast, flexible bridging finance suited to your needs. Get expert tips now.
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Best Lenders to Secure a 500k 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 500k 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 and access a range of unsecured business finance options. It is typically suited for franchise buyers and small businesses needing working capital without collateral. The provider offers a fast application process with straightforward eligibility matching and flexible loan terms.

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 specialises in bridging loans and commercial mortgages tailored to property purchase and refinance needs. It is suitable for franchise buyers and businesses with property assets looking for secured loans. The lender offers relatively fast funding with no early repayment penalties and accommodates various loan-to-value bands.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 5.9%
  • Max APR: 15.9%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

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

Pros

  • Fast funding times
  • No early redemption fees

Cons

  • Higher rates for adverse credit

Sources: Source

3. KIS Finance

KIS Finance provides bridging and secured loan facilities designed for clients with property collateral. It fits franchise buyers and businesses requiring competitive rates and flexible repayment options secured against assets. The provider streamlines the process with a focus on speed and minimal hassle.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0.39%
  • Max APR: 1.53%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Secured Loans
  • Industries: Finance, Real Estate, Retail

Pros

  • Low interest rates
  • Flexible repayment terms

Cons

  • Limited to borrowers with property collateral

Sources: Source

4. Clifton Private Finance

Clifton Private Finance focuses on large bridging loans primarily for property purchases and commercial development projects. It is suited for borrowers with substantial collateral and those seeking sizeable financing with structured repayment plans. The lender offers support tailored to commercial sectors with clear loan terms.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £50,000,000
  • Min APR: 0.53%
  • Max APR: 0.78%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • Large loan amounts available
  • 24/7 support for clients

Cons

  • Strict eligibility criteria

Sources: Source

5. Finbri

Finbri specialises in bridging and development finance mainly for business expansion and property investment. It suits franchise buyers and investors seeking flexibility and the ability to cover long-term projects. Their offerings support a wide range of loan durations with an emphasis on adaptability and strong asset security.

Loan Details

  • Min Amount: £26,000
  • Max Amount: £250,000,000
  • Min APR: 0.4%
  • Max APR: 1.2%
  • Loan Duration: 1 to 36 months ⌛

Services & Industries

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

Pros

  • Fast completion times
  • Flexible use of funds

Cons

  • Strict collateral requirements

Sources: Source

6. Funding 365

Funding 365 is a specialist lender focusing on bridging and development finance with quick access and flexible terms. It is suited for businesses with property assets requiring timely funds and tailored loan structures. Their products often support higher loan-to-value options with transparent fee arrangements.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £200,000,000
  • Min APR: 0.64%
  • Max APR: 0.8%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • High LTV options
  • Transparent fee structure

Cons

  • Shorter max loan durations

Sources: Source

7. Mercantile Trust

Mercantile Trust offers bridging finance secured by residential and commercial property, catering to clients needing tailored loan solutions. It fits franchise owners and landlords requiring flexible terms and acceptance of adverse credit. The provider ensures quick decisions and supports buy-to-let mortgage needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £500,000
  • Min APR: 0.75%
  • Max APR: 1.5%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Buy to Let Mortgages
  • Industries: Property Management, Landlords

Pros

  • Adverse credit accepted
  • Quick approvals

Cons

  • Higher interest rates

Sources: Source

8. Redrock Commercial

Redrock Commercial specialises in bridging loans and finance packages for property development and urgent funding needs. It suits franchisees and businesses requiring quick access to capital with flexible loan terms and moderately sized loans. The lender focuses on expedited approvals for emergency financial situations.

Loan Details

  • Min Amount: £26,000
  • Max Amount: £2,000,000
  • Min APR: 0.45%
  • Max APR: 0.85%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • Fast emergency funding
  • Low entry-level loans

Cons

  • Higher interest for short-term loans

Sources: Source

9. FinanceHub

FinanceHub provides business funding options including bridging loans and working capital tailored to UK companies. It is suitable for franchise buyers seeking a variety of loan ranges and an online application process. The provider emphasises accessibility and options for small to medium enterprises.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £25,000,000
  • Min APR: 0.45%
  • Max APR: 1.5%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

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

Pros

  • Wide range of loan amounts
  • Online application process

Cons

  • Higher costs on smaller loans

Sources: Source

10. Propp

Propp offers bridging loans and commercial financing with a focus on transparency and competitive rates. It serves franchise buyers and businesses in real estate and retail sectors who value clear terms and comprehensive market access. The provider supports structured lending with an emphasis on competitive pricing.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £100,000,000
  • Min APR: 0.39%
  • Max APR: 0.75%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

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

Pros

  • Competitive rates
  • Comprehensive market access

Cons

  • Complex application process

Sources: Source

How to choose

When selecting the best lender for a 500k bridging loan, assess your specific needs for loan size, APR range, and security requirements. Consider eligibility criteria and whether you prefer unsecured or asset-backed finance. Prioritise lenders that balance application speed with flexible repayment options suited to your franchise cash flow. Review fees and terms carefully to understand total costs. Brokered options may offer wider access, while specialists provide tailored solutions for property or development finance.

Conclusion

Choosing the right lender depends on your loan purpose and business profile. Banks may offer wider products but could have stricter criteria. Brokers like Funding Agent help SMEs quickly compare multiple options. Specialists focus on bridging or development finance with tailored terms. Always align lender strengths with your requirement for a loan around 500 thousand pounds.

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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 is a leading property finance lender specializing in bridging loans and commercial mortgages.£50,000–£10,000,000; 5.9%–15.9% APR; 3 to 24 months
3KIS FinanceKIS Finance provides competitive finance facilities quickly with minimum hassles specializing in bridging and secured loans.£50,000–£5,000,000; 0.39%–1.53% APR; 1 to 24 months
4Clifton Private FinanceClifton Private Finance offers a wide range of business loan solutions including large bridging loans for property purchases.£50,000–£50,000,000; 0.53%–0.78% APR; 1 to 24 months
5FinbriFinbri specializes in bridging and development finance with a range of products for business expansion and real estate investment.£26,000–£250,000,000; 0.4%–1.2% APR; 1 to 36 months
6Funding 365Funding 365 is a specialist lender offering quick-access bridging loans and development finance with flexible terms.£100,000–£200,000,000; 0.64%–0.8% APR; 1 to 24 months
7Mercantile TrustMercantile Trust provides tailored bridging finance secured against residential and commercial properties in the UK.£25,000–£500,000; 0.75%–1.5% APR; 3 to 24 months
8Redrock CommercialRedrock Commercial Finance specializes in bridging loans and financial packages for property development and emergency situations.£26,000–£2,000,000; 0.45%–0.85% APR; 1 to 24 months
9FinanceHubFinanceHub provides various business funding solutions including bridging loans specifically tailored for UK companies.£5,000–£25,000,000; 0.45%–1.5% APR; 3 to 24 months
10ProppPropp offers tailored bridging loans and commercial financing solutions with a focus on transparency and competitive rates.£50,000–£100,000,000; 0.39%–0.75% APR; 1 to 24 months
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