February 12, 2026
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Best Lenders to Secure a 50k Bridging Loan

Best Lenders to Secure a 50k Bridging Loan

Discover the best lenders to secure a £50k bridging loan with competitive rates and flexible terms. Get fast approval and expert tips for UK borrowers.
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

Best Lenders to Secure a 50k 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 2026-02-12.

1. Funding Agent

Funding Agent focuses on helping UK SMEs quickly compare various business finance options, including unsecured loans and merchant cash advances. It is typically suitable for those seeking working capital or short-term funding with minimal collateral requirements. The provider offers a streamlined application process with quick eligibility checks and flexible terms tailored to small business needs.

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. Together Money

Together Money provides bridging loans focused on residential and commercial property finance, catering mainly to property buyers and investors. It is suited for borrowers seeking medium-term bridging finance with relatively flexible credit assessments. The lender offers tailored loan options with an emphasis on bridging scenarios such as auctions and property purchases.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £500,000
  • Min APR: 7.5%
  • Max APR: 18%
  • Loan Duration: 1–18 months

Services & Industries

  • Finance Types: Bridging Loan, Auction Finance
  • Industries: Real Estate, Business

Pros

  • Tailored solutions
  • Experienced lender

Cons

  • Processing fees
  • Not available for all areas

Sources: Source

3. Octane Capital

Octane Capital specialises in property finance bridging solutions aimed at experienced property developers and investors. Its loans are typically used for short-term property purchases or refinancing requiring faster funding. The lender offers flexible repayment styles and competitive processing times suitable for bridging requirements.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £1,000,000
  • Min APR: 8%
  • Max APR: 15%
  • Loan Duration: 3–12 months

Services & Industries

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

Pros

  • No early repayment charges
  • Fast turnaround

Cons

  • Geared towards experienced investors

Sources: Source

4. LendInvest

LendInvest is a specialist non-bank lender focused on bridging and development loans for property professionals. It is generally suitable for property developers seeking medium-term finance with competitive rates. The platform provides online application access, with structured loan options and specific eligibility criteria.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £2,500,000
  • Min APR: 6.5%
  • Max APR: 14%
  • Loan Duration: 6–18 months

Services & Industries

  • Finance Types: Bridging Loan, Buy-to-Let
  • Industries: Real Estate

Pros

  • Competitive rates
  • Online platform

Cons

  • Strict eligibility criteria

Sources: Source

5. MT Finance

MT Finance provides short-term property loans including bridging finance, suitable for a range of customers across the UK. This lender caters to borrowers needing flexible underwriting and loans secured against property assets. Its products typically cover bridging needs with options for second charge loans and competitive application turnaround.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 7%
  • Max APR: 19%
  • Loan Duration: 1–24 months

Services & Industries

  • Finance Types: Bridging Loan, Second Charge Loan
  • Industries: Real Estate, Business

Pros

  • No upfront fees
  • Flexible underwriting

Cons

  • Higher interest rates

Sources: Source

6. Roma Finance

Roma Finance acts as a principal lender offering bridging loans for auction property finance and landlord refinancing. It is appropriate for property investors or landlords needing short to medium-term finance solutions. The lender emphasizes quick decisions, flexibility in terms, and support for property-related funding needs.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £3,000,000
  • Min APR: 8.5%
  • Max APR: 17%
  • Loan Duration: 1–18 months

Services & Industries

  • Finance Types: Bridging Loan, Auction Finance
  • Industries: Landlord Finance, Property

Pros

  • Quick decision
  • Flexible terms

Cons

  • Higher fees compared to banks

Sources: Source

7. Hope Capital

Hope Capital provides bridging loans with flexible terms targeting both residential and commercial property sectors. It suits borrowers needing medium-term finance with adaptable repayment structures. The lender focuses on tailored borrowing solutions supported by fast decision-making.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 9%
  • Max APR: 20%
  • Loan Duration: 3–12 months

Services & Industries

  • Finance Types: Bridging Loan, Development Loan
  • Industries: Real Estate, Commercial Properties

Pros

  • Tailored solutions
  • Fast decisions

Cons

  • Not suitable for all borrowers

Sources: Source

8. Greenfield Capital

Greenfield Capital focuses on fast and flexible bridging loans across a wide range of property types. It often suits borrowers needing quick access to short-term property finance with minimal exit fees. The lender supports deals where speed and flexible terms are key priorities within property lending.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 8%
  • Max APR: 18%
  • Loan Duration: 1–15 months

Services & Industries

  • Finance Types: Bridging Loan, Short-term Loan
  • Industries: Real Estate

Pros

  • No exit fees
  • Rapid processing

Cons

  • Limited to property deals

Sources: Source

9. Aspen Bridging

Aspen Bridging offers a flexible approach to bridging loans suitable for a variety of property and construction uses. The lender serves borrowers seeking adaptable short-term finance with transparent pricing. It is designed for those requiring innovative products and commercial finance within the UK.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £5,000,000
  • Min APR: 7.9%
  • Max APR: 16.9%
  • Loan Duration: 1–18 months

Services & Industries

  • Finance Types: Bridging Loan, Commercial Finance
  • Industries: Property, Construction

Pros

  • Innovative products
  • Transparent pricing

Cons

  • Higher fees on larger loans

Sources: Source

10. Bridgecrowd

Bridgecrowd focuses on bridging finance through individual investor loans, primarily supporting property and investment borrowers. Its offerings are suitable for those seeking competitive rates and loans with investor-backed funding. The lender provides flexible borrowing options and is tailored to meet investor and property finance needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £1,000,000
  • Min APR: 8.5%
  • Max APR: 19%
  • Loan Duration: 3–12 months

Services & Industries

  • Finance Types: Bridging Loan, Investor Loan
  • Industries: Investment, Real Estate

Pros

  • Competitive rates
  • Focus on investor services

Cons

  • Not available to all types of borrowers

Sources: Source

How to choose

When selecting a lender for a 50k bridging loan, consider your loan purpose and property type to find the best fit. Evaluate loan size, APR, loan term, and flexibility in repayment options. Check eligibility criteria carefully, including credit history and security requirements. Balance application speed against the flexibility and cost of the loan. Factors like broker access, collateral needs, and fees should inform your choice. Always review lender terms thoroughly before proceeding.

Conclusion

Choosing the right lender depends on your specific needs and loan amount. Banks may offer competitive rates for larger loans with strict criteria, while brokers can provide access to a broader range of specialist lenders. Specialist providers often focus on niche sectors with faster decisions and flexible terms. Funding Agent is useful for SMEs seeking quick and clear comparisons across multiple business finance options. For a 50 thousand pounds loan, understanding the lender type and matching it to your borrowing purpose is essential.

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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
2Together MoneyTogether Money offers a variety of financial products, specializing in bridging loans for residential and commercial properties.£25,000–£500,000; 7.5%–18% APR; 1–18 months
3Octane CapitalOctane Capital is a UK-based specialist lender providing a range of property finance, including bridging loans.£50,000–£1,000,000; 8%–15% APR; 3–12 months
4LendInvestLendInvest is a non-bank lender for professional property developers in the UK, focusing on bridging finance and development loans.£75,000–£2,500,000; 6.5%–14% APR; 6–18 months
5MT FinanceMT Finance provides short-term property loans including bridging finance to a diverse clientele across the UK.£50,000–£5,000,000; 7%–19% APR; 1–24 months
6Roma FinanceRoma Finance is a principal lender offering bridging loans for auction properties, refinancing, and landlord needs.£20,000–£3,000,000; 8.5%–17% APR; 1–18 months
7Hope CapitalHope Capital offers bridging loans with flexible terms designed to meet the needs of both residential and commercial sectors.£50,000–£5,000,000; 9%–20% APR; 3–12 months
8Greenfield CapitalGreenfield Capital specializes in providing fast, flexible bridging loans across diverse property types.£10,000–£2,000,000; 8%–18% APR; 1–15 months
9Aspen BridgingAspen Bridging provides a fast, flexible approach to bridging, offering loans suitable for a variety of uses.£25,000–£5,000,000; 7.9%–16.9% APR; 1–18 months
10BridgecrowdBridgecrowd offers competitive bridging finance options with a focus on individual investor loans in the UK.£25,000–£1,000,000; 8.5%–19% APR; 3–12 months