Best Lenders to Secure a 70k 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.
Funding Agent provides a platform focused on helping UK SMEs compare various business finance solutions including unsecured loans and working capital. It is suitable for franchise buyers and operators looking for fast, straightforward access to finance without the need for collateral. The provider offers flexible terms with a transparent application process and quick matching to suitable loan options.
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
Lender A focuses on offering bridging loans with flexible terms across a range of industries including real estate and retail. The lender is typically suitable for franchise buyers and property investors seeking customizable finance solutions. It provides a moderate speed application with options that may require collateral and varied repayment structures.
Loan Details
- Min Amount: £50,000
- Max Amount: £200,000
- Min APR: 5%
- Max APR: 10%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, Retail
Pros
- Customizable loan terms
- Wide industry coverage
Cons
- Higher rates for lower amounts
Lender B specialises in bridging loans with fast approval processes, primarily targeting property investors and developers. It suits those needing quick finance secured against property, with limited flexibility outside this sector. The lender typically offers loans with standard LTV ranges and various repayment options.
Loan Details
- Min Amount: £30,000
- Max Amount: £150,000
- Min APR: 6%
- Max APR: 12%
- Loan Duration: 3–18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate
Pros
- Quick approval
- Focus on property market
Cons
- Limited to property industry
Lender C provides easy-access business and bridging loans designed to support small enterprises in sectors like technology and manufacturing. This lender is suitable for franchise operators seeking straightforward financing with competitive rates. It offers a balance of speed and flexibility, often with some level of security and varied repayment terms.
Loan Details
- Min Amount: £25,000
- Max Amount: £100,000
- Min APR: 4.5%
- Max APR: 9.5%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Business Loans, Bridging Loans
- Industries: Technology, Manufacturing
Pros
- Easy-access loans
- Competitive rates
Cons
- Strict eligibility criteria
Lender D specialises in tailored financial solutions for the technology sector, including bridging and factoring loans. It suits franchises and businesses in technology seeking customised terms and potentially more detailed underwriting. The loans may involve security and accommodate various repayment options with a moderate application timeline.
Loan Details
- Min Amount: £40,000
- Max Amount: £120,000
- Min APR: 7%
- Max APR: 15%
- Loan Duration: 12–24 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Factoring
- Industries: Technology
Pros
- Tailored solutions
- Focus on technology
Lender E offers rapid-approval loans primarily focused on real estate development projects. This lender is suitable for borrowers needing fast funding secured on property within the construction and real estate sectors. The provider presents streamlined applications with limited loan duration flexibility but competitive terms in their niche.
Loan Details
- Min Amount: £45,000
- Max Amount: £175,000
- Min APR: 6.5%
- Max APR: 11.5%
- Loan Duration: 3–12 months ⌛
Services & Industries
- Finance Types: Real Estate Loans, Bridging Loans
- Industries: Real Estate, Construction
Pros
- Rapid approval process
- Real estate focus
Lender F provides a variety of financial products with emphasis on short-term bridging loans suitable for general business needs. It caters to borrowers needing flexible terms and timely access to funds, often with options for both secured and unsecured lending. The lender balances speed with loan diversity for franchises and SMEs.
Loan Details
- Min Amount: £35,000
- Max Amount: £140,000
- Min APR: 5.75%
- Max APR: 10.75%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Short-term Credit
- Industries: General Business
Pros
- Diverse product offering
- Good for short-term needs
Cons
- Higher costs for longer durations
Lender G specialises in providing extensive funding options with a strong focus on SME support across various industries. It is well suited for borrowers seeking both long-term and bridging finance with flexible terms. This lender offers a broad industry reach including retail and hospitality, with consideration for repayment and security needs.
Loan Details
- Min Amount: £60,000
- Max Amount: £250,000
- Min APR: 4.9%
- Max APR: 9.9%
- Loan Duration: 3–48 months ⌛
Services & Industries
- Finance Types: Long-term Loans, Bridging Loans
- Industries: Retail, Hospitality
Pros
- Focus on SMEs
- Broad funding options
Cons
- Slightly higher minimum loan amounts
Lender H offers fast bridging loans and flexible financing solutions, with an emphasis on property-secured lending. Appropriate for franchise buyers and investors needing quick drawdowns, it features adaptable terms though mainly focused on bridging loans. The lender may require collateral and offers varied repayment structures.
Loan Details
- Min Amount: £70,000
- Max Amount: £180,000
- Min APR: 6.5%
- Max APR: 13%
- Loan Duration: 6–18 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate
Pros
- Fast processing
- Flexible options
Cons
- Limited to bridging loans
Lender I is known for its low-rate bridging finance tailored to various industries including real estate, construction, and retail. It is suitable for franchise buyers and businesses seeking competitive rates with flexibility on loan terms and repayments. This lender offers loan options with typical collateral requirements and moderate processing speed.
Loan Details
- Min Amount: £20,000
- Max Amount: £100,000
- Min APR: 4%
- Max APR: 8.5%
- Loan Duration: 2–24 months ⌛
Services & Industries
- Finance Types: Bridging Loans
- Industries: Real Estate, Construction, Retail
Pros
- Low rates
- Industry versatility
Cons
- Lower maximum loan amount
How to choose
When selecting the best lender for a 70k bridging loan, consider loan size and APR carefully to fit your financial capacity. Assess eligibility requirements and weigh the importance of application speed against loan flexibility. Review whether the loan requires security such as property and understand the terms for repayment and early exit. Factor in the lender's experience with franchises and the typical loan-to-value ranges offered. Brokered options may provide wider choice but check for fees. Ultimately, select a lender whose terms align with your franchise cash flow and business needs.
Conclusion
Choosing the right lender depends on your specific financing needs. Banks may provide stability and established processes for standard loans. Brokers can offer access to a range of lenders including specialists who tailor bridging loans for particular industries or situations. Funding Agent is a useful tool for SMEs wanting to compare multiple options quickly. For a bridging loan around 70,000 pounds, matching lender type to use case will help secure suitable terms and repayment structures. Always verify current rates and conditions directly with providers before committing.
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