Recommended by the government’s development bank, which helps SMEs get finance
Compare Bridging Loans
Find the best bridging loans in the UK. Quickly compare short term bridging loans, see how they work, and match with top lenders—all in one place.
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- Borrow up to £20m with leading UK bridging loan lenders
- Get expert guidance throughout the bridging loan process
- Applying won’t affect your credit score
- Fast decisions—bridging loan offers in minutes
Compare Bridging Loans to Find the Right Finance for Your Needs
What is a Bridging Loan?
A bridging loan is a short-term financing option designed to “bridge” the gap between an immediate financial need and a longer-term funding solution. These loans are often secured against property or other valuable assets.
Bridging loans are popular in property purchases and business scenarios where fast access to capital is essential—such as buying a property before selling another, funding urgent renovations, or seizing time-sensitive opportunities.
With a bridging loan, you can:
- Access funds quickly—often within days
- Secure finance against property or assets
- Cover short-term cash flow needs until longer-term finance is arranged
While bridging loans can be more expensive than traditional finance, they provide flexibility and speed, making them a valuable tool for individuals and businesses needing rapid access to funds.
Benefits of Bridging Loans
Bridging loans provide short-term, fast finance to purchase, refurbish, or unlock value in property while you arrange a longer-term solution. Here are the key advantages for investors, developers, and businesses:
Speed of Funding
Obtain finance in days, helping you secure time-sensitive opportunities and beat completion deadlines.
Ideal for Property Chains
Bridge gaps between sale and purchase, avoiding chain breaks and missed completions.
Flexible Exit Strategies
Refinance, sell, or switch to a buy-to-let or commercial mortgage when the project is ready.
Auction & Fast Purchases
Fund auction buys and properties needing quick completion or light refurbishment.
Flexible Security
Secure against one or multiple properties, residential or commercial, to increase borrowing power.
Interest Options
Choose rolled-up, retained, or serviced interest to suit cash flow during the project term.
About Funding Options
Funding Options is our trusted UK partner that makes it simple to compare bridging loans. With one quick application, their Funding Cloud technology matches your profile with 120+ lenders, so you can review bridging loan rates, terms, and eligibility in minutes—without affecting your credit score.
Whether you need a short term bridging loan to secure a property purchase, cover cash flow while waiting for funds, or explore commercial and residential bridging loans, you can compare options side by side. Funding Options also gives you access to wider finance solutions, including secured lending, revolving credit, invoice finance, and commercial property finance.
How to Compare Bridging Loans in Minutes
StartupDeals.co.uk has partnered with Funding Options to give you instant access to more than 120 UK lenders through one simple online form. Their Funding Cloud technology reviews your profile and matches you with tailored bridging loan offers, so you can quickly compare rates, terms, and eligibility.It’s fast, free to apply, and the initial checks won’t affect your credit score—helping you find the best bridging loans with confidence.
Tell us about your business
Share how much you need, what it’s for, and key details so we can compare business loans matched to your profile.
Compare quotes instantly
Funding Options compare your details against 120+ lenders so you can see tailored finance quotes in seconds.
Apply and get your funding
Apply for finance and initial checks won’t affect your credit score. Receive funds into your account.
Choosing the right loan type
Your goals, cash flow and security available will shape the best fit. Use the tiles below to compare loan types and to explore wider business finance options.
Unsecured Business Loans
Borrow without collateral. Quick decisions; may require a personal guarantee.
Secured Business Loans
Backed by assets for lower rates and larger amounts.
Working Capital / Short-Term Finance
Cover day-to-day costs and short cash-flow gaps.
Revolving Credit Facility
Flexible line of credit — pay interest only on what you use.
Asset Finance
Hire purchase or leasing for vehicles, machinery and equipment.
Invoice Finance
Release cash tied up in invoices (factoring & discounting).
Merchant Cash Advance
Repay via a % of future card sales — flexible with turnover.
Commercial Property Finance
Commercial mortgages & development finance.
Bridging Loans
Short-term funding to bridge a purchase, sale or refinance.
Growth Guarantee Scheme
Government-backed lending via accredited providers.
Bad-Credit Business Loans
Options for thinner files or weaker credit profiles.
Startup Business Loans
Funding to launch or grow a new business—often unsecured, with flexible criteria for early-stage companies.
Who can take out a bridging loan
- Business types
- Individuals, sole traders, partnerships, limited companies, property investors, and developers.
- Typical situations
- Property purchase: Secure a new property before your current one sells.
- Auction finance: Complete purchases quickly.
- Refinancing or cash flow:e: Cover short-term gaps or restructure debt.
- Renovation/development: Fund refurbishments or projects.
- Financial profile
- Lenders focus on your exit strategy (how you’ll repay), collateral (usually property), and affordability. Adverse credit isn’t always a barrier but can affect rates.
- Directors & owners
- ID and address checks, UK residency in most cases, and credit checks on directors/shareholders for company applications. Personal guarantees are common.
- Security & guarantees
- Unsecured: Rare for bridging finance; smaller amounts and higher costs.
- Secured: Backed by property or assets; can unlock larger amounts and lower rates.
- Use of funds
- Property purchases, auction finance, refurbishment, development, refinancing, business cash flow, or debt consolidation.
Compare Bridging Loan Quotes Today
Find the right loan for your business – its fast and free
Apply today – no obligation, no impact on your credit score
FAQs: Bridging Loans (UK)
What is a bridging loan and how does it work?
A bridging loan is a type of short term finance designed to “bridge” a gap until longer-term funding becomes available. It’s commonly used for property purchases, auction finance, and cash flow needs.
What’s the best way to compare bridging loans in the UK?
The easiest way is to use a comparison tool to view rates, fees, loan terms, and eligibility from multiple lenders. This helps you find and compare bridging loans quickly without affecting your credit score.
Which types of bridging loans can I apply for?
You can apply for residential, commercial, development, auction finance, and short term bridging loans depending on your needs.
How do I find the best bridging loans in the UK?
The best bridging loans depend on your loan amount, property value, exit strategy, and credit profile. Using a broker or comparison platform gives access to multiple lenders so you can secure the best deal for your circumstances.
Will comparing bridging loans affect my credit score?
No, most lenders use a soft credit search during initial checks, meaning your score won’t be impacted until a full application is submitted.
How much can I borrow with a bridging loan, and for how long?
Loan amounts usually range from £25,000 to £20m, with short term bridging loan durations from 1 month up to 24 months.
What documents do I need for a bridging loan?
Typical documents include proof of ID and address, property details, an exit strategy (e.g., sale or refinance), and financial records showing affordability.
Are bridging loans secured or unsecured?
Most bridging loans are secured against property or assets, which allows for higher loan amounts and lower rates. Unsecured bridging loans are rare and usually limited to smaller sums.
Can I get a bridging loan with bad credit?
Yes, some lenders consider applicants with poor credit. However, strong security and a clear repayment plan are essential, and interest rates may be higher.
How fast can I get a bridging loan?
Bridging loans can be approved and funded within 3–7 days, making them ideal for fast-moving property deals such as auctions.
What interest rates and fees should I expect on bridging loans?
Rates typically range from 0.5% to 1.5% per month, with arrangement, valuation, and legal fees added on top. The exact rate depends on the property, risk, and loan size.
Who can apply for a bridging loan in the UK?
Bridging loans are available to individuals, sole traders, partnerships, limited companies, and property developers.
Do I need a personal guarantee for a bridging loan?
Many lenders require personal guarantees, especially for limited companies. This means directors or owners may be personally liable if repayments aren’t met.
FAQs: About Funding Options
Is Funding Options a lender or a broker?
Funding Options is a broker. They help you compare products like bridging loans UK from 120+ lenders and match you to suitable providers. They don’t lend directly but make it easier to find the right deal.
Does using Funding Options affect my credit score?
No, initial checks are soft searches only, so comparing bridging loans and other finance products won’t impact your credit score.
How does Funding Options match my business to lenders?
Their Funding Cloud technology reviews your profile and property details, then instantly matches you to lenders offering bridging loans that fit your needs.
Are there any fees for using Funding Options?
There’s no fee to apply or compare lenders. You only pay standard fees to the lender if you proceed with a bridging loan (such as arrangement or valuation costs).
Can startups use Funding Options?
Yes. Startups, sole traders, and SMEs can all use Funding Options to access bridging finance as well as other funding types.
How fast can Funding Options help me secure funding?
Funding Options works with lenders who can approve and release funds in as little as 3–7 days—ideal for property purchases and auction finance.
What loan types can I compare through Funding Options?
As well as bridging loans, you can compare business loans, asset finance, invoice finance, revolving credit, and commercial mortgages—all through one application.
Is Funding Options safe to use?
Yes. Funding Options is FCA-regulated and trusted by thousands of UK businesses. They provide secure, transparent access to over 120 lenders.
Why should I use Funding Options for bridging loans instead of going direct?
By comparing multiple lenders at once, you save time and can access a wider choice of deals. This increases your chances of finding the best bridging loan rates for your needs.
Does Funding Options help with bad credit applications?
Yes. Even if you have adverse credit, Funding Options may match you with bridging loan lenders who prioritise property security and repayment strategy over credit history.
FAQs: About Startup Deals
Do StartupDeals provide business loans directly?
No — StartupDeals does not lend money directly. We work as an introducer partner with Funding Options, who connect UK businesses to more than 120 lenders through their regulated platform.
Is StartupDeals paid by Funding Options?
Yes — if you are successfully matched with a lender and take out finance, StartupDeals may receive a commission from Funding Options. This comes at no extra cost to you as the customer.
Can I trust StartupDeals when applying for a business loan?
Yes — StartupDeals is a trusted affiliate partner of Funding Options. Funding Options is FCA-regulated, and all loan applications are handled securely by them, ensuring compliance and transparency.
Why does StartupDeals recommend Funding Options?
At StartupDeals, our goal is to help startups, sole traders, and SMEs access the tools and services they need to grow. We recommend Funding Options because they provide access to a wide network of over 120 UK lenders — from high street banks to specialist and alternative finance providers. This means that instead of applying to lenders one by one, businesses can complete a single application and quickly see tailored funding options side by side.
Funding Options also uses secure technology to match businesses with lenders most suited to their profile, making the process faster and more efficient. For startups, this can be particularly valuable, as many lenders on the platform specialise in supporting early-stage businesses.
By partnering with Funding Options, we can introduce our audience to a trusted, FCA-regulated broker where they can explore some of the best business loan options in the UK, compare rates and terms, and find funding that may fit their circumstances — all in one place.
Does StartupDeals decide if my business loan is approved?
No — StartupDeals does not make lending decisions. All applications are assessed by Funding Options and their panel of lenders. Approval depends entirely on the lender’s criteria.
Is StartupDeals regulated to provide credit?
StartupDeals does not provide credit directly and is not a lender. We act as an introducer to Funding Options, who are FCA-regulated and work only with authorised UK lenders.
Will it cost me extra to use StartupDeals?
No — you won’t pay any additional fees by applying through StartupDeals. If you proceed with a loan, StartupDeals may receive a commission from Funding Options, but this does not affect the cost of your finance.
Who handles my data if I apply for a loan?
Your loan application and personal data are handled securely by Funding Options, not StartupDeals. They use regulated systems and strict data protection measures to keep your information safe.
Does StartupDeals provide financial advice?
No — StartupDeals does not provide personalised financial or lending advice. We introduce businesses to Funding Options so they can compare loan options. All content on StartupDeals.co.uk is created to be impartial and informative. It is designed to help startups and SMEs explore tools, services, and funding options available in the UK. The information is not intended as financial advice. For tailored guidance, you should seek advice from a qualified financial professional.
Disclaimer: The content on this website is intended for informational purposes only and should not be construed as legal, financial, or professional advice. While we strive to ensure that the information is accurate and up-to-date at the time of publication, please be aware that regulations and circumstances may change. We recommend consulting with a qualified professional for personalised guidance specific to your situation. Additionally, some links on this website may be affiliate links, meaning we may earn a commission if you make a purchase through those links. Please ensure you read and understand all terms and conditions before making any decisions.