Top Bridging Loan Lenders for Small Businesses in the UK

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 2025-10-09.

1. Funding Agent

Funding Agent offers tailored financial solutions with a focus on small business needs. It facilitates quick access to bridging loans, often with flexible collateral options and competitive interest rates suitable for various sectors. Its approach is suitable for those seeking rapid approval and custom terms.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 6.9%
• Max APR: 24.9%
• Loan Duration: 1–24 months⌛

Services & Industries

• Finance Types: Bridging Loans, Business Loans
• Industries: Various

Pros

• Flexible terms
• Fast approval process

Cons

• Requires collateral
• Higher APR rates for lower credit scores

Sources: https://www.fundingagent.com

2. KIS Finance

KIS Finance specialises in bridging loans with a focus on short-term funding. It caters to property owners and business operators seeking quick access to secured loans, often with personalised broker arrangements and flexible repayment options.

Loan Details

• Min Amount: £5,000
• Max Amount: £5,000,000
• Min APR: 6.5%
• Max APR: 24%
• Loan Duration: 1–12 months⌛

Services & Industries

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

Pros

• Competitive rates
• Personalized service

Cons

• Short repayment terms

Sources: https://www.kisbridgingloans.co.uk/bridging-loan/

3. Finbri

Finbri Finbri offers short-term bridging solutions. It mainly targets property and business borrowers seeking quick, flexible financing secured against tangible assets, often with variable repayment structures and rapid approval processes.

Loan Details

• Min Amount: £26,000
• Max Amount: £250,000,000
• Min APR: 9%
• Max APR: 18%
• Loan Duration: 1–24 months⌛

Services & Industries

• Finance Types: Bridging Loans, Property Loans
• Industries: Property, Commercial

Pros

• Fast processing
• High loan amounts available

Cons

• High interest rates

Sources: https://www.finbri.co.uk/bridging-loan/business-bridging-loans/

4. MT Finance

MT Finance provides fast, flexible bridging options for property developers and small businesses. Its services often include secured loans with emphasis on quick approvals and high-touch customer service, suitable for those requiring prompt solutions.

Loan Details

• Min Amount: £50,000
• Max Amount: £10,000,000
• Min APR: 8%
• Max APR: 15%
• Loan Duration: 3–24 months⌛

Services & Industries

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

Pros

• Award-winning service
• Flexible products

Cons

• Higher fees for rapid services

Sources: https://www.mt-finance.com/

5. West One Loans

West One Loans provides tailored bridging solutions with an emphasis on speed and flexibility, often working with clients needing quick cash. It is suitable for property owners and small businesses seeking fast access to short-term finance with customised terms.

Loan Details

• Min Amount: £25,000
• Max Amount: £50,000,000
• Min APR: 7.5%
• Max APR: 13.5%
• Loan Duration: 1–18 months⌛

Services & Industries

• Finance Types: Bridging Loans, Specialist Lending
• Industries: Property, Commercial

Pros

• Fast approval
• Flexible terms

Cons

• May require high equity

Sources: https://www.westoneloans.co.uk/bridging-loans

6. Portman Finance Group

Portman Finance Group offers straightforward commercial bridging loans designed for quick access and simple processes. Its services are suitable for small and medium enterprises needing fast, secured funding for property or business needs.

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 10.5%
• Max APR: 20%
• Loan Duration: 6–24 months⌛

Services & Industries

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

Pros

• Simple application process
• Variety of financial products

Cons

• Higher APR compared to others

Sources: https://portmanfinancegroup.co.uk/bridging-loans/

7. Together Money

Together Money provides flexible bridging loans aimed at businesses needing quick finance solutions. It often supports clients in managing cash flow gaps or property transactions through customised terms and quick processing. Its focus is onspeedy, tailored options for small to medium businesses.

Loan Details

• Min Amount: £30,000
• Max Amount: £3,000,000
• Min APR: 9%
• Max APR: 19.5%
• Loan Duration: 1–12 months⌛

Services & Industries

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

Pros

• Tailored solutions
• Good track record

Cons

• Complex terms for first-time borrowers

Sources: https://togethermoney.com/bridging-loans

8. Moneysupermarket

Moneysupermarket provides extensive comparisons of bridging loans from various lenders. It helps small businesses quickly identify suitable options with different interest rates and terms, often acting as a broker connecting borrowers to lenders. It is ideal for those seeking a comprehensive overview.

Loan Details

• Min Amount: £10,000
• Max Amount: £50,000,000
• Min APR: 5%
• Max APR: 25%
• Loan Duration: 1–18 months⌛

Services & Industries

• Finance Types: Bridging Loans
• Industries: Various

Pros

• Comprehensive comparison
• Competitive rates

Cons

• Does not provide loans directly

Sources: https://www.moneysupermarket.com/loans/bridge-loans/

9. Money.co.uk

Money.co.uk offers detailed comparison tools for bridging loans, focusing on quick access and flexible options. It supports small businesses in finding suitable loan products with clear terms and structured repayment plans, often via brokered services and comprehensive guides.

Loan Details

• Min Amount: £25,000
• Max Amount: £10,000,000
• Min APR: 7%
• Max APR: 20%
• Loan Duration: 1–24 months⌛

Services & Industries

• Finance Types: Bridging Loans
• Industries: Various

Pros

• Informative guides
• Wide lender selection

Cons

• Indirect lending platform

Sources: https://www.money.co.uk/bridging-loans

10. Moneyfacts

Moneyfacts offers independent comparison services with a focus on affordability. It assists small businesses in choosing suitable bridging loans by providing clear, unbiased information and detailed product comparisons tailored to various borrower needs.

Loan Details

• Min Amount: £5,000
• Max Amount: £7,500,000
• Min APR: 6%
• Max APR: 22%
• Loan Duration: 1–24 months⌛

Services & Industries

• Finance Types: Bridging Loans
• Industries: Various

Pros

• Independent comparisons
• User-friendly platform

Cons

• Limited direct services

Sources: https://moneyfactscompare.co.uk/loans/bridging-loans/

How to choose

When selecting a provider for short-term financing, assess your loan size and required APR. Decide if you want to go through a broker or direct lender. Consider how quickly you need funds and whether the provider offers flexible repayment options. Check fee structures, eligibility criteria, and early repayment terms. Matching your specific business needs with the appropriate type of lender ensures a suitable and efficient borrowing process.

Conclusion

Matching the right provider depends on your needs. Banks typically suit those seeking straightforward, larger loans. Brokers can connect you to a range of options and specialised lenders. An independent or sector-specific provider like Funding Agent offers tailored solutions for small businesses. Always confirm current costs and terms with the lender; pricing may change.