January 23, 2026
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Best Lenders to Secure a 100k Short Term Loan

Best Lenders to Secure a 100k Short Term Loan

Discover the best lenders to secure a £100k short term loan quickly and easily. Compare options, interest rates, and borrower requirements in the UK.
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

Best Lenders to Secure a 100k Short Term 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 2026-01-23.

1. Funding Agent

Funding Agent provides a platform focused on helping UK SMEs access various unsecured finance options swiftly. It is generally suited for business owners requiring working capital without collateral. The platform emphasises quick eligibility checks and a streamlined application process to enhance speed and simplicity.

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. Norton Finance

Norton Finance specialises in secured loans for UK homeowners and SMEs looking for loans secured against property assets. It is suitable for borrowers who can provide collateral and require medium to long-term finance. The provider focuses on offering variable rate loans with flexible terms, depending on the property and borrower profile.

Loan Details

  • Min Amount: £60,000
  • Max Amount: £100,000
  • Min APR: 6.59%
  • Max APR: 36.6%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Secured Loans
  • Industries: Homeowners

Pros

  • Low starting APR

Cons

  • Requires collateral

Sources: Source

3. Evolution Money

Evolution Money offers secured homeowner loans primarily targeted at those seeking significant property-related financing. It suits borrowers with property assets requiring both flexibility and availability of secured options. The provider allows for variable APRs and typically caters to those comfortable with collateral-backed lending.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £100,000
  • Min APR: 8.6%
  • Max APR: 27.87%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Homeowner Loans, Secured Loans
  • Industries: Homeowners

Pros

  • Flexible terms
  • Cater to bad credit

Cons

  • High maximum APR

Sources: Source

4. Lending Expert

Lending Expert provides a range of business loan options tailored to diverse sectors with competitive rates. It is appropriate for borrowers seeking longer-term finance within defined limits. Flexibility and a broad product range are features aimed at meeting various business needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £100,000
  • Min APR: 2.9%
  • Max APR: 6.5%
  • Loan Duration: 1–35 years

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Low minimum APR

Cons

  • Limited to specific businesses

Sources: Source

5. Compare the Market

Compare the Market offers an online comparison platform covering a wide variety of loan products from multiple providers. It suits borrowers who want to evaluate options across secured and unsecured lending. The service prioritises tailored rate comparisons and diverse loan durations.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 9.6%
  • Max APR: 0%
  • Loan Duration: Various

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: General Business

Pros

  • Wide range of loan options

Cons

  • Higher rates for unsecured loans

Sources: Source

6. GoCompare

GoCompare is a broad comparison service offering access to multiple financial products including business loans. It is designed for UK businesses seeking various lending solutions with brokered access. Flexibility and range are key aspects, although exact loan terms may vary by provider.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 24%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Comprehensive comparison service

Cons

  • High maximum APR

Sources: Source

7. Clifton Private Finance

Clifton Private Finance provides specialised bespoke business lending and bridging finance tailored to specific client requirements. It is suited for borrowers needing flexible and customised financing solutions, often involving secured or short-term arrangements. Their approach emphasises personalised service with tailored pricing and terms.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £0
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: Varies

Services & Industries

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

Pros

  • Tailored solutions
  • Expert support

Cons

  • Higher interest rates for unsecured loans

Sources: Source

8. Lendable

Lendable offers fast personal loans aimed at individuals and consumers seeking quick access to credit. Their products focus on speed and transparency with straightforward terms. This provider generally suits borrowers prioritising immediate funding over long-term finance options.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 8.1%
  • Max APR: 48.9%
  • Loan Duration: 1–5 years

Services & Industries

  • Finance Types: Personal Loans
  • Industries: General Consumers

Pros

  • Quick funding
  • Transparent fees

Cons

  • Higher maximum APR

Sources: Source

9. Money Saving Expert

Money Saving Expert serves as a comprehensive financial advice resource, covering various loan types including business lending. It is ideal for borrowers seeking information and guidance rather than direct lending. The platform offers broad insights suited for general consumer and SME education.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: Various

Services & Industries

  • Finance Types: Business Loans
  • Industries: General

Pros

  • Wide advice range

Cons

  • General advice may not suit specific needs

Sources: Source

10. MoneySuperMarket

MoneySuperMarket provides a consumer-focused comparison tool covering loans and credit products. It is useful for those looking for straightforward rate comparisons across shorter-term and smaller loan amounts. The platform emphasises quick access to information and a variety of loan and credit options.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: Various

Services & Industries

  • Finance Types: Loans, Credit Products
  • Industries: General Consumers

Pros

  • Extensive comparison tools

Cons

  • Limited loan options

Sources: Source

How to choose

When choosing the best lenders to secure a 100k short term loan, consider your specific financial needs and loan purpose. Match loan size, APR, and duration with your budget and repayment capabilities. Evaluate eligibility criteria and whether collateral or security is required. Consider the trade-off between application speed and loan flexibility. Review fees, early repayment options, and how repayments fit your cash flow and seasonality. Use comparison tools to understand available products and select the most suitable provider.

Conclusion

Matching the provider type to your loan use case is essential when seeking a 100 thousand pounds loan. Banks may suit borrowers with strong credit and asset security needs, while brokers can facilitate access to multiple lenders and diverse options. Specialist lenders often provide customised or short-term lending solutions but may have higher rates. Funding Agent remains a useful choice for SMEs seeking a quick way to compare various finance options. Always verify current terms and conditions directly with lenders before applying.

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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
2Norton FinanceNorton Finance offers secured loans from £60,000 to £100,000 with variable rates starting at 6.59%.£60,000–£100,000; 6.59%–36.6% APR; Unknown
3Evolution MoneyEvolution Money provides £100,000 loans for homeowners, with APR ranging between 8.6% to 27.87%.£100,000–£100,000; 8.6%–27.87% APR; Unknown
4Lending ExpertLending Expert offers a wide range of loans with competitive rates for amounts between £50,000 to £100,000.£50,000–£100,000; 2.9%–6.5% APR; 1–35 years
5Compare the MarketCompare the Market provides a platform to compare loans online, offering rates tailored to each loan.£500–£15,000,000; 9.6%–0% APR; Various
6GoCompareGoCompare is a UK-based comparison service that assists in comparing a variety of financial products, including business loans.£10,000–£750,000; 6.9%–24% APR; Unknown
7Clifton Private FinanceClifton Private Finance offers bespoke business loans and bridging finance solutions tailored to specific needs.£50,000–£0; 7%–20% APR; Varies
8LendableLendable offers fast personal loans with APRs ranging from 8.1% to 48.9%, ideal for immediate funding needs.£1,000–£25,000; 8.1%–48.9% APR; 1–5 years
9Money Saving ExpertMoney Saving Expert is a comprehensive guide offering financial advice, including business loans.£500–£15,000,000; 6%–15% APR; Various
10MoneySuperMarketMoneySuperMarket helps consumers compare and save on financial products, including loans and credit.£1,000–£10,000; 11.2%–14.9% APR; Various