February 12, 2026
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Best Lenders to Secure a 90k Bridging Loan

Best Lenders to Secure a 90k Bridging Loan

Discover the top lenders offering £90,000 bridging loans in the UK. Get fast approval, competitive rates, and flexible terms to secure your short-term finance today.
Abdus-Samad Charles
Finance Writer

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.

Best Lenders to Secure a 90k 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 multiple business finance options. Its services suit franchise buyers or businesses seeking working capital finance secured against various business assets. The platform offers a speedy application process with flexible terms and requires no collateral in many cases, enabling straightforward lender matching.

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 Finance

Together Finance offers personalised bridging and other financial products primarily targeting commercial and personal clients. It is suited for franchise buyers and property investors seeking bridging finance with an emphasis on tailored solutions. Repayment options and flexibility vary, with focus on accommodating differing loan purposes and client profiles.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 5.5%
  • Max APR: 14.5%
  • Loan Duration: 1–24 months ⌛

Services & Industries

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

Pros

  • Personalized service

Cons

  • Limited loan amounts

Sources: Source

3. Precise Mortgages

Precise Mortgages specialises in bridging loans and quick financing options tailored for property buyers and refinancers. Its products suit franchise buyers or investors needing swift decisions backed by property security. The lender offers various repayment types and flexible loan-to-value (LTV) ranges under specialist lending criteria.

Loan Details

  • Min Amount: £15,000
  • Max Amount: £1,500,000
  • Min APR: 4.9%
  • Max APR: 13.9%
  • Loan Duration: 3–18 months ⌛

Services & Industries

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

Pros

  • Competitive rates

Cons

  • Strict eligibility criteria

Sources: Source

4. MT Finance

MT Finance provides bridging finance aimed at clients seeking to capitalise on time-sensitive property or business opportunities. Its products are suitable for franchise buyers needing fast access to funds secured on assets. MT Finance offers flexibility in terms, with options spanning different LTVs and repayment options, balancing speed and borrower needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 6.5%
  • Max APR: 18.5%
  • Loan Duration: 1–24 months ⌛

Services & Industries

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

Pros

  • Fast funding

Cons

  • Higher rates

Sources: Source

5. Octane Capital

Octane Capital is an alternative lender focused on bridging finance particularly for complex or challenging cases. It serves franchise buyers and property developers needing tailored financing solutions. The lender offers negotiable terms with attention to risk factors and collateral quality, suitable for specific scenarios where mainstream providers may not fit.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 7%
  • Max APR: 16%
  • Loan Duration: 3–24 months ⌛

Services & Industries

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

Pros

  • Specialist lending

Cons

  • High rates for risky cases

Sources: Source

6. Hope Capital

Hope Capital provides custom bridging loans with emphasis on quick decisions and meeting specific borrower requirements. It is suitable for franchise buyers or investors needing swift, tailored finance secured by property. Terms are flexible and can be adapted to client circumstances and varying loan-to-value profiles.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £5,000,000
  • Min APR: 8%
  • Max APR: 21%
  • Loan Duration: 3–18 months ⌛

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Real Estate

Pros

  • Customizable options

Cons

  • Higher APR

Sources: Source

7. LendInvest

LendInvest operates a marketplace platform specialising in property finance including bridging loans. It suits franchise buyers and property investors looking for varied product options and broker access. The platform supports flexible terms but may involve digital application and service limitations compared to traditional lenders.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £0
  • Min APR: 4.5%
  • Max APR: 12%
  • Loan Duration: 6–24 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Buy-to-let
  • Industries: Real Estate, Technology

Pros

  • Range of products

Cons

  • Digital platform limitations

Sources: Source

8. United Trust Bank

United Trust Bank offers diverse finance products, focusing on bridging loans for businesses and individuals. Its services suit franchise buyers and property owners requiring flexible loans secured against real estate. Terms may vary, providing options with negotiable duration and LTV, balancing cost and speed.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,500,000
  • Min APR: 5%
  • Max APR: 12.5%
  • Loan Duration: 1–18 months ⌛

Services & Industries

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

Pros

  • Flexible terms

Cons

  • Limited geographical scope

Sources: Source

9. Aspen Bridging

Aspen Bridging delivers fast and adaptable bridging loans designed for specific borrower needs, especially in property and construction sectors. Its solutions suit franchise buyers and property developers looking for speed and flexibility with secured lending. The lender offers tailored terms and competitive requirements to fit various deal structures.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £3,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 1–24 months ⌛

Services & Industries

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

Pros

  • Quick decision-making

Cons

  • Stringent requirements

Sources: Source

10. Roma Finance

Roma Finance is a specialist property lender offering bridging loans with competitive terms and efficient processing. It serves franchise buyers and property developers needing finance secured against real estate assets. The provider focuses on structured lending with clear underwriting criteria to support development and purchase projects.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £2,000,000
  • Min APR: 5.7%
  • Max APR: 14%
  • Loan Duration: 6–24 months ⌛

Services & Industries

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

Pros

  • Efficient service

Cons

  • Strict underwriting

Sources: Source

How to choose

When seeking the best lenders for a 90k bridging loan, consider factors such as loan size and APR in relation to your financial capacity. Verify your eligibility to ensure smoother approval and compare repayment types that fit your franchise cash flow and seasonality. Balance the speed of funding with flexibility of terms, including early repayment options and any fees. Also weigh lender credibility and sector experience relevant to your loan purpose. Careful review of lender criteria will help you select an option aligned with your borrowing needs and risk profile.

Conclusion

Selecting a lender for a bridging loan around 90 thousand pounds depends on your specific use case. Bank providers often suit borrowers needing standard terms and regulated products, while brokers can offer access to a wider range including specialist and alternative lenders. Specialists tend to have flexible criteria suited for niche or complex cases but may charge higher rates. Funding Agent is a valuable starting point to compare different providers for your needs. Always confirm current terms and options to find the best fit for your borrowing requirements.

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FAQs

What is a bridging loan?
Can I get a bridging loan for £90,000?
How quickly can I get approved for a £90k bridging loan?
What are the typical interest rates for a £90,000 bridging loan?
Are there fees associated with bridging loans?
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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 FinanceTogether Finance provides personalized financial products, including bridging loans to both commercial and personal clients.£0–£0; 5.5%–14.5% APR; 1–24 months
3Precise MortgagesPrecise Mortgages offers specialized lending solutions for those in need of quick finance, including bridging loans.£15,000–£1,500,000; 4.9%–13.9% APR; 3–18 months
4MT FinanceMT Finance specializes in bridging finance to help clients take advantage of time-dependent opportunities.£50,000–£5,000,000; 6.5%–18.5% APR; 1–24 months
5Octane CapitalOctane Capital is an alternative lender offering a wide range of solutions including bridging finance for challenging cases.£0–£0; 7%–16% APR; 3–24 months
6Hope CapitalHope Capital offers tailored bridging loans with quick turnaround times for each client's specific requirements.£20,000–£5,000,000; 8%–21% APR; 3–18 months
7LendInvestLendInvest is a marketplace platform providing a variety of property finance products, including bridging loans.£75,000–£0; 4.5%–12% APR; 6–24 months
8United Trust BankUTB offers a selection of finance products to both businesses and individuals, with special focus on bridging finance.£10,000–£2,500,000; 5%–12.5% APR; 1–18 months
9Aspen BridgingAspen Bridging provides fast and flexible bridging loan solutions designed to meet the specific needs of each case.£25,000–£3,000,000; 6%–15% APR; 1–24 months
10Roma FinanceRoma Finance is a leading specialist in property lending, offering efficient and competitive bridging finance.£20,000–£2,000,000; 5.7%–14% APR; 6–24 months
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