April 14, 2026
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Best Non Regulated Bridging Loan Lenders

Discover the best non-regulated bridging loan lenders in the UK. Learn how to access quick, flexible funding solutions without strict regulations. Perfect for short-term finance needs.
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Best Non Regulated Bridging Loan Lenders
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the 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. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Non Regulated Bridging Loan Lenders

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 2026-04-08.

1. Funding Agent

Funding Agent focuses on unsecured business loans and working capital solutions for UK SMEs. It is typically suitable for franchise buyers and small businesses seeking quick access to finance with a clear application and eligibility process. Providers offer flexible terms with no collateral required and options that suit various repayment types and loan-to-value levels.

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. KIS Finance

KIS Finance provides both secured and unsecured loan options including non-regulated bridging loans for businesses across the UK market. It is generally suited for companies needing to finance property purchases or refinance with varying levels of collateral and flexible repayment options. The service often acts through brokerage, offering competitive rates and a wide loan range tailored to sector needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 24 months

Services & Industries

  • Finance Types: Bridging Loans, Business Loans
  • Industries: Real estate, SMEs

Pros

  • Wide loan range
  • Competitive rates

Cons

  • Primarily broker services

Sources: Source

3. Octane Capital

Octane Capital specialises in property finance lending focused on bridging loans for both residential and commercial property markets. It is typically suited to property investors needing flexible loan terms with tailored structures that consider exit fees and repayment ease. Speed and adaptability are key features, with loan structuring reflecting underlying security and investment intent.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0.73%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Property investment, Commercial real estate

Pros

  • Tailored loan structures
  • No exit fees

Cons

  • Primarily property-focused

Sources: Source

4. MT Finance

MT Finance provides specialist bridging loans and commercial mortgages aimed at property investors and SMEs. The provider supports quick financing through flexible loan durations and adaptable terms, often requiring security on commercial real estate. MT Finance is fit for businesses seeking tailored property finance with responsive service speed.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Bridging Loans, Commercial Mortgages
  • Industries: Commercial property, Real estate

Pros

  • Fast processing
  • Flexible terms

Cons

  • Limited to property finance

Sources: Source

5. United Trust Bank

United Trust Bank delivers specialist lending services including bridging loans and asset finance for commercial businesses. The provider is suitable for SMEs and property developers requiring secured and specialist loans with varied terms and collateral arrangements. It offers award-winning service but may involve more complex loan application processes.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Bridging Loans, Asset Finance
  • Industries: SMEs, Property developers

Pros

  • Diverse lending options
  • Award-winning service

Cons

  • Complex loan processes

Sources: Source

6. Shawbrook Bank

Shawbrook Bank offers tailored financial products including bridging finance and business loans designed to support UK SME growth. It suits buyers seeking fixed interest rates and loan terms that balance early repayment flexibility and straightforward application. The bank serves small to medium enterprises across various commercial sectors with tailored solutions.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years

Services & Industries

  • Finance Types: Business Loans, Bridging Finance
  • Industries: Small to medium enterprises, Commercial sectors

Pros

  • No early settlement fees
  • Fixed interest rates

Cons

  • Limited loan amounts

Sources: Source

7. Greenfield Mortgages

Greenfield Mortgages specialises in regulated and unregulated bridging loans for residential and commercial property investors. It is commonly suited to those requiring loans with flexible terms and varied security arrangements across wider geographic regions. The provider offers options that can accommodate diverse property types and lender conditions.

Loan Details

  • Min Amount: £75,000
  • Max Amount: £3,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: up to 24 months

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Real estate, Commercial property

Pros

  • Wide geographic coverage
  • Both regulated and unregulated options

Cons

  • Focused on property loans

Sources: Source

8. LendInvest

LendInvest provides property finance solutions with a focus on bridging, development, and buy-to-let loans for investors and landlords. It suits those seeking accessible bridging finance with flexible terms and loan options designed to meet the needs of property investment and development sectors. The platform operates primarily online, offering innovative tools and services.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Bridging Loans, Development Finance
  • Industries: Property investment, Development

Pros

  • Innovative platform
  • Specialist property finance

Cons

  • Primarily online services

Sources: Source

9. Precise Mortgages

Precise Mortgages is a specialist lender focusing on bridging finance with options for both regulated and unregulated property investment loans. It suits borrowers requiring flexible finance with a broad product range, often accessed via intermediaries. Loan offerings include adaptable terms with consideration for security and repayment structures.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Bridging Loans
  • Industries: Real estate, Property development

Pros

  • Regulation flexibility
  • Wide product range

Cons

  • Intermediary-focused

Sources: Source

10. Mercantile Trust

Mercantile Trust offers bridging and business loans designed for property owners and commercial enterprises needing quick funding. It generally suits SMEs requiring flexible loan structures that accommodate various collateral conditions and repayment terms. The lender considers adverse credit and focuses on efficient fund availability.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Bridging Loans, Business Loans
  • Industries: Real estate, Commercial sectors

Pros

  • Fast funding
  • Adverse credit considered

Cons

  • Loan secured against property

Sources: Source

How to choose

When selecting the best non regulated bridging loan lender, first consider your loan size and security requirements. Check the eligibility criteria carefully and assess whether you need speed or flexibility more. Look at repayment options and how they fit your cash flow and seasonal income. It is important to examine the fees and any early repayment conditions. Also, consider whether you prefer direct lenders or brokered access based on your comfort with the process.

Conclusion

Choosing the right lender depends on your specific financing needs. Banks may offer dependable rates for standard cases while brokers provide access to a wider range of specialist bridging and business loans. Specialist lenders often focus on property-backed finance with flexible terms. Funding Agent is a practical choice for SMEs wanting to compare multiple options quickly and easily. This guide highlights options suitable up to a 200 thousand pounds loan and beyond, helping business owners to match lender types with their loan purposes.

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FAQs

What is a non-regulated 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
2KIS FinanceKIS Finance offers secured and unsecured loans, including non-regulated bridging loans, to businesses across the UK.£50,000–£500,000,000; 0%–0% APR; 1 to 24 months
3Octane CapitalOctane Capital is a specialist property finance lender, offering bespoke bridging loans with flexible terms for residential and commercial properties.£0–£0; 0.73%–0% APR; Flexible
4MT FinanceMT Finance provides specialist lending solutions, focusing on bridging loans and commercial mortgages, helping property investors and SMEs with quick financing.£0–£0; 0%–0% APR; Flexible
5United Trust BankUnited Trust Bank provides specialist lending services including bridging loans for commercial enterprises and property development.£0–£0; 0%–0% APR; Unknown
6Shawbrook BankShawbrook Bank offers tailored financial solutions including business loans and bridging finance to support UK SME growth.£25,000–£350,000; 0%–0% APR; 1 to 5 years
7Greenfield MortgagesGreenfield Mortgages specializes in providing regulated and unregulated bridging loans for residential and commercial properties across the UK.£75,000–£3,000,000; 0%–0% APR; up to 24 months
8LendInvestLendInvest offers property finance solutions, specializing in bridging, development, and buy-to-let loans for investors and landlords in the UK.£0–£0; 0%–0% APR; Flexible
9Precise MortgagesPrecise Mortgages is a specialist lender offering bridging finance with options for both regulated and unregulated loans, focusing on property investments.£0–£0; 0%–0% APR; Flexible
10Mercantile TrustMercantile Trust provides bridging and business loans with quick fund availability, catering to property owners and businesses.£10,000–£500,000; 0%–0% APR; Flexible