Best Lenders to Secure a 50k to 100k 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 2026-01-22.
Funding Agent focuses on providing quick, brokered access to various business loans suitable for SMEs. It typically supports franchise buyers and operators seeking unsecured finance options with a straightforward application and fast decisions. The platform offers flexible terms with no collateral in many cases, helping applicants identify loans that fit their needs and repayment capabilities.
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 is a specialist lender providing bridging loans mainly for property purchase or refinance. It suits buyers needing loans secured on residential, commercial, or mixed-use properties. The provider offers fairly fixed terms with medium-term durations, typically featuring flexible repayment options and a focus on clear terms for property development and investment projects.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 8%
- Max APR: 12%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Development Loans
- Industries: Real Estate
Pros
- No exit fees
- Flexible terms
Cons
- Higher fees for lower LTV
KIS Finance offers bridging loans with a focus on flexible terms suitable for both commercial and real estate borrowers. Ideal for customers looking for medium to long bridging durations, this lender caters to those who require structured repayment options and competitive rates. The provider often supports larger loan amounts with brokered access and clear eligibility criteria.
Loan Details
- Min Amount: £100,000
- Max Amount: £1,000,000,000
- Min APR: 6.35%
- Max APR: 9.5%
- Loan Duration: 1–36 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, Commercial
Pros
- Competitive rates
- No broker fees
Cons
- Strict eligibility criteria
Funding 365 specialises in revenue-based finance for SMEs, offering fast access to business funding. It is suited to companies that prefer flexible repayments aligned to income streams rather than fixed terms. This lender typically benefits those requiring short-term finance with minimal upfront costs, although APR is shown as zero in the data provided.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–6 months ⌛
Services & Industries
- Finance Types: Revenue-Based Finance
- Industries: SMEs
Pros
- Fast approval
- Flexible repayment
MFS UK offers bespoke bridging loans and buy-to-let mortgages tailored for UK commercial and residential property investors. This provider suits those requiring flexible lending solutions with a focus on larger loan amounts and customised terms. The loan options support a range of repayment types alongside asset-backed financing.
Loan Details
- Min Amount: £100,000
- Max Amount: £50,000,000
- Min APR: 3.99%
- Max APR: 12.99%
- Loan Duration: 6–18 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Buy-to-Let
- Industries: Real Estate, Commercial
Pros
- Bespoke solutions
- Flexible
Hampshire Trust Bank is a UK bank offering specialist loans for business and commercial real estate finance. It suits borrowers seeking tailored, asset-backed lending with medium-term durations and controlled risk profiles. This bank focuses on established customers requiring clear terms, with options suitable for franchises and property investors alike.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 5.89%
- Max APR: 7.89%
- Loan Duration: 12–24 months ⌛
Services & Industries
- Finance Types: Commercial Loans, Real Estate Finance
- Industries: Commercial Real Estate, Business
Pros
- Specialist provider
- Tailored solutions
Cons
- Limited personal customer service
Precise Mortgages specialises in residential and bridging finance, focusing on tailored products for customers looking to finance property purchases or short-term loans. The lender offers options suitable for varying LTV ratios and repayment flexibility, generally targeting borrowers needing specialist mortgage and bridging solutions. They are suitable for SMEs and individuals seeking structured lending in the UK property market.
Loan Details
- Min Amount: £50,000
- Max Amount: £3,000,000
- Min APR: 7.2%
- Max APR: 11.5%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Residential Mortgages, Bridging Loans
- Industries: Real Estate, Residential
Pros
- High LTV options
- No early repayment charges
Connect Mortgages offers tailored commercial and bridging loans designed for property investors and businesses across the UK market. This provider suits those who require customizable lending with support covering multiple property types and flexible terms. Connect Mortgages often supports applications needing a personalised approach to finance and quicker turnaround times.
Loan Details
- Min Amount: £50,000
- Max Amount: £10,000,000
- Min APR: 6%
- Max APR: 12%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Commercial Mortgages, Bridging Loans
- Industries: Real Estate, Commercial
Pros
- Expert guidance
- Flexible finance
Lendlord focuses on portfolio management and financing products for landlords and property investors. The lender suits borrowers who prefer all-in-one solutions for property finance with bridging loan options and management tools. This provider generally targets clients needing support managing multiple assets with medium-term loan durations and competitive rates.
Loan Details
- Min Amount: £100,000
- Max Amount: £15,000,000
- Min APR: 4.5%
- Max APR: 7.5%
- Loan Duration: 12–36 months ⌛
Services & Industries
- Finance Types: Property Management Finance, Bridging Loans
- Industries: Real Estate, Property Management
Pros
- Portfolio management tools
- Competitive rates
Moneysupermarket is a comparison website offering information on various financial products, including bridging loans. It is suitable for borrowers seeking to compare multiple loan options quickly without engaging directly with lenders. This platform supports decision-making based on a broad view of market offerings but does not provide financing itself.
Loan Details
- Min Amount: £5,000
- Max Amount: £2,500,000
- Min APR: 5.7%
- Max APR: 18.5%
- Loan Duration: 1–18 months ⌛
Services & Industries
- Finance Types: Comparison Service for Loans
- Industries: Finance, Retail
Pros
- Extensive comparisons
- Trusted platform
How to choose
When selecting a lender for a bridging loan between 50,000 and 100,000 pounds, align loan size and APR to your financial capacity and repayment plan. Consider eligibility requirements and how quickly funds are needed versus the flexibility of loan terms. Evaluate whether you need unsecured loans or are comfortable providing property as security. Pay close attention to fees, early repayment options, and the lender's track record in your sector. Comparing multiple offers helps balance cost with convenience and fit for your franchise or property project.
Conclusion
Choosing the right lender depends on your specific financing needs. Banks typically offer specialist products with tailored service, while brokers like Funding Agent provide fast access to various loan options but may have limited histories. Specialist bridging lenders focus on property-backed loans with flexible terms designed for investors and developers. Match your loan purpose, speed requirements, and security preferences to the lender type. Always verify current terms before proceeding.