February 12, 2026
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Best Lenders to Secure a 80k Bridging Loan

Best Lenders to Secure a 80k Bridging Loan

Discover top lenders offering £80,000 bridging loans with competitive rates and flexible terms. Find the right bridging loan to suit your needs today.
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 80k 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 providing a fast, simple way for UK SMEs to compare and secure various business finance options. It is suitable for franchise buyers and businesses needing working capital or unsecured loans. The service emphasises quick eligibility checks and ease of application without requiring collateral, offering 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. Octopus Real Estate

Octopus Real Estate specialises in bridging loans and property financing aimed at investors and developers. It is typically suitable for clients seeking loans secured on real estate assets for purchase or refinance purposes. The lender offers competitive rates with an emphasis on fast decisions and structured lending criteria.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 4.5%
  • Max APR: 6.5%
  • Loan Duration: 3-36 months ⌛

Services & Industries

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

Pros

  • Competitive rates
  • Fast decision making

Cons

  • Strict lending criteria

Sources: Source

3. Together Money

Together Money provides bridging loans and commercial mortgage products aimed at property acquisitions and investments. It suits borrowers seeking finance secured on property with flexible loan terms and quick capital access. The provider supports a range of lending solutions with tailored terms to meet client needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 5.9%
  • Max APR: 10%
  • Loan Duration: 1-24 months ⌛

Services & Industries

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

Pros

  • Flexible terms
  • Quick access to capital

Cons

  • Higher interest rates

Sources: Source

4. MT Finance

MT Finance focuses on short-term bridging loans primarily secured on property assets. This lender is suited for borrowers looking for quick loan processing and straightforward loan products. Flexible repayment options and competitive pricing are notable features within a limited loan duration.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 8%
  • Max APR: 16%
  • Loan Duration: 1-18 months ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Real Estate

Pros

  • No upfront fees
  • Swift processing

Cons

  • Limited loan duration

Sources: Source

5. LendInvest

LendInvest is a specialist property lender offering bridging loans alongside development finance and buy-to-let mortgages. It is suitable for borrowers requiring secured finance for larger property projects, with digital platform access and a range of repayment options. The lender focuses on property finance with structured lending criteria and terms.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £15,000,000
  • Min APR: 3.5%
  • Max APR: 7%
  • Loan Duration: 6-36 months ⌛

Services & Industries

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

Pros

  • Digital platform
  • Range of products

Cons

  • Stringent application process

Sources: Source

6. Shawbrook Bank

Shawbrook Bank offers customised bridging loans and financial solutions tailored to varied business needs. This lender is well suited for businesses seeking flexible property-backed loans with a focus on customer service. Shawbrook provides bespoke lending structures, though applications may be more complex.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £15,000,000
  • Min APR: 6%
  • Max APR: 9.5%
  • Loan Duration: 1-18 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages
  • Industries: Business Services

Pros

  • Tailored solutions
  • Strong customer focus

Cons

  • Complex application process

Sources: Source

7. United Trust Bank

United Trust Bank provides flexible event-driven finance solutions including bridging and development loans. It is designed for clients needing loans secured on assets with adaptable terms and a variety of repayment plans. The bank serves clients in construction, real estate, and related sectors emphasizing bespoke financial solutions.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 4.8%
  • Max APR: 8.7%
  • Loan Duration: 3-18 months ⌛

Services & Industries

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

Pros

  • Experienced team
  • Wide range of solutions

Cons

  • Higher application fees

Sources: Source

8. Pure Commercial Finance

Pure Commercial Finance offers bridging loans and lending options tailored to diverse business requirements. It tends to suit borrowers needing property-secured finance with an emphasis on personalised advice and fast processing times. The provider focuses on clear, flexible lending solutions for property and finance sectors.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 5.75%
  • Max APR: 11%
  • Loan Duration: 1-24 months ⌛

Services & Industries

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

Pros

  • Personalised advice
  • Quick processing

Cons

  • Higher minimum loan amount

Sources: Source

9. Roma Finance

Roma Finance specialises in short to medium-term bridging loans and development finance with a focus on straightforward funding processes. It suits borrowers requiring loans secured on property for projects within construction and real estate sectors. The lender offers direct loan processing and specialist knowledge to support lending decisions.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £5,000,000
  • Min APR: 7%
  • Max APR: 13%
  • Loan Duration: 3-12 months ⌛

Services & Industries

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

Pros

  • Direct loan process
  • Specialist knowledge

Cons

  • Higher interest rates

Sources: Source

10. InterBay

InterBay offers specialist mortgages and business lending solutions with a focus on bridging finance. It is suitable for borrowers seeking flexible funding options backed by property within real estate and finance sectors. The provider emphasises specialised experience and a variety of lending structures.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,000,000
  • Min APR: 6.5%
  • Max APR: 9%
  • Loan Duration: 1-12 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Specialist Mortgages
  • Industries: Real Estate, Finance

Pros

  • Specialised experience
  • Variety of solutions

Cons

  • Short repayment terms

Sources: Source

How to choose

When seeking the best lenders to secure an 80k bridging loan, assess your specific needs including loan size, security requirements, and repayment flexibility. Consider how quickly you require funds and whether collateral or property security is necessary. Review lender criteria such as loan-to-value limits, fees, and whether broker access is beneficial. Balance competitive APRs against application and early repayment terms. Matching the loan structure to your franchise cash flow and business timeline will ensure better funding outcomes.

Conclusion

Choosing the right lender depends on your loan purpose and business type. Banks often provide structured loans with established terms but may have stricter criteria. Brokers and specialist lenders can offer more flexible access and tailored solutions for property or development finance. Funding Agent remains a strong option for SMEs aiming to quickly compare multiple finance choices. Assess each provider carefully to find the best fit for borrowing approximately 80 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
2Octopus Real EstateOctopus Real Estate offers a range of financing solutions, including bridging loans, to help property investors and developers.£50,000–£5,000,000; 4.5%–6.5% APR; 3-36 months
3Together MoneyTogether Money provides various financial products including bridging loans designed for property acquisitions and investment.£25,000–£2,000,000; 5.9%–10% APR; 1-24 months
4MT FinanceMT Finance specializes in short-term bridging loans and is known for its efficient service delivery and competitive pricing.£10,000–£1,000,000; 8%–16% APR; 1-18 months
5LendInvestLendInvest is a leading specialist property lender offering bridging loans, development finance, and buy-to-let mortgages.£75,000–£15,000,000; 3.5%–7% APR; 6-36 months
6Shawbrook BankShawbrook Bank offers bespoke financial solutions including bridging loans tailored for various business needs.£25,000–£15,000,000; 6%–9.5% APR; 1-18 months
7United Trust BankUnited Trust Bank is known for delivering flexible event-driven finance solutions including bridging loans and development loans.£50,000–£10,000,000; 4.8%–8.7% APR; 3-18 months
8Pure Commercial FinancePure Commercial Finance offers a variety of lending options, including bridging loans, to suit different business requirements.£50,000–£5,000,000; 5.75%–11% APR; 1-24 months
9Roma FinanceRoma Finance provides straightforward funding solutions, focusing on short to medium-term bridging loans and development finance.£75,000–£5,000,000; 7%–13% APR; 3-12 months
10InterBayInterBay offers specialist mortgages and business loans including flexible bridging finance solutions.£50,000–£2,000,000; 6.5%–9% APR; 1-12 months
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