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.
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
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
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
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
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
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
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
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
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
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
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.