Best Lenders to Secure a 100k to 150k Short Term Business 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 2026-02-12.
Funding Agent focuses on providing a comparison platform that helps UK SMEs quickly identify suitable business finance options. It is typically suitable for SME borrowers seeking short-term loans with transparency and predictable terms. The service emphasises speed and ease of use without requiring collateral, offering flexible repayment types through brokered access.
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
Company A offers a range of short-term loan products geared towards SMEs in the UK market. It generally suits businesses requiring quick access to funding for operational needs or planned growth. Flexibility and streamlined processing with attention to eligible sectors are notable features of their service.
Loan Details
- Min Amount: £100,000
- Max Amount: £150,000
- Min APR: 4%
- Max APR: 8%
- Loan Duration: 6–18 months ⌛
Services & Industries
- Finance Types: Short-term loans, Invoice financing
- Industries: Healthcare, Construction
Pros
- Fast funding
- Minimal paperwork
Cons
- Higher interest rates for lower credit scores
Company B provides a broad range of financial products through an extensive network focused on UK businesses. Their offerings are typically suited to SMEs looking for innovative borrowing options with flexible repayment and credit acceptance criteria. They emphasize sector diversity and solutions tailored to working capital needs.
Loan Details
- Min Amount: £50,000
- Max Amount: £150,000
- Min APR: 4.5%
- Max APR: 9%
- Loan Duration: 12–36 months ⌛
Services & Industries
- Finance Types: Business loans, Merchant cash advance
- Industries: Hospitality, Retail
Pros
- Wide acceptance criteria
- Support for diverse industries
Cons
- Potential higher fees for expedited service
Company C delivers short-term funding solutions with emphasis on swift processing tailored for UK businesses. It is suited for SMEs in need of fast capital support with flexible terms and clear application procedures. Their offerings typically include unsecured loans with an efficient turnaround.
Loan Details
- Min Amount: £75,000
- Max Amount: £150,000
- Min APR: 5%
- Max APR: 10%
- Loan Duration: 3–12 months ⌛
Services & Industries
- Finance Types: Short-term loans
- Industries: Real Estate, Retail
Pros
- Rapid loan processing
- Dedicated account managers
Cons
- Higher APR for short loan terms
Company D offers competitive short-term loans with a focus on low APR and structured repayment for SMEs in periods of growth. It suits businesses that prefer transparency and flexible payment options, though credit checks are strict. Their loan products cater to those seeking predictable funding without extensive collateral.
Loan Details
- Min Amount: £100,000
- Max Amount: £150,000
- Min APR: 3.7%
- Max APR: 9.2%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Short-term loans, Equipment financing
- Industries: Manufacturing, Logistics
Pros
- Low APR
- Flexible payment options
Company E delivers tailored loan options that fit the financial needs of small and medium-sized UK enterprises. This provider suits borrowers needing flexible products and personalised service, with attention to asset-based lending and short-term loans. Speed and adaptability are key features of their solutions.
Loan Details
- Min Amount: £80,000
- Max Amount: £150,000
- Min APR: 5.5%
- Max APR: 11.5%
- Loan Duration: 3–18 months ⌛
Services & Industries
- Finance Types: Short-term loans, Asset-based lending
- Industries: IT, Retail
Pros
- Diverse loan products
- Personalized service
Cons
- Not available for businesses with credit issues
Company F focuses on providing accessible and prompt financial solutions tailored to UK SMEs. It typically suits businesses that value fast decisions and transparent fee structures. Their products include short-term loans with options for invoice discounting that support flexible repayment schedules.
Loan Details
- Min Amount: £50,000
- Max Amount: £150,000
- Min APR: 6%
- Max APR: 12%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Short-term loans, Invoice discounting
- Industries: Transportation, Retail
Pros
- Fast decision-making process
- No hidden fees
Cons
- Higher interest rates for lower credit tiers
Company G provides a variety of lending products with a focus on rapid approval and funding for short-term loans. It suits SMEs that need quick access to capital with straightforward application processes and transparent requirements. Their offerings generally support retail and construction sectors with tailored finance solutions.
Loan Details
- Min Amount: £90,000
- Max Amount: £150,000
- Min APR: 4.8%
- Max APR: 10.5%
- Loan Duration: 2–10 months ⌛
Services & Industries
- Finance Types: Short-term loans
- Industries: Construction, Retail
Pros
- Simple application process
- Quick turnaround
Cons
- Limited to repeat customers only
Company H is recognised for delivering flexible and transparent short-term loan products to UK SMEs. It is suitable for businesses seeking adaptable term options and clear fee structures, especially in agriculture and retail. Their application process can be thorough, reflecting their detailed lending policies.
Loan Details
- Min Amount: £95,000
- Max Amount: £150,000
- Min APR: 5.2%
- Max APR: 11%
- Loan Duration: 1–24 months ⌛
Services & Industries
- Finance Types: Short-term loans, Bridging loans
- Industries: Agriculture, Retail
Pros
- Flexible terms
- Transparent fees
Cons
- Application process can be lengthy
Company I specialises in providing financial support to SMEs with a range of loan products designed for dynamic business needs. It suits borrowers looking for flexible credit lines and short-term loans, with a focus on responsive customer service. Their offerings are well-suited to sectors such as finance and retail.
Loan Details
- Min Amount: £70,000
- Max Amount: £150,000
- Min APR: 5%
- Max APR: 9.8%
- Loan Duration: 3–15 months ⌛
Services & Industries
- Finance Types: Short-term loans, Business lines of credit
- Industries: Finance, Retail
Pros
- Versatile loan options
- Strong customer support
Cons
- Limited to registered SMEs
How to choose
When selecting a lender for a 100k to 150k short-term business loan, consider matching the loan amount and APR to your budget and cash flow. Check eligibility criteria carefully, including credit requirements and acceptable industries. Balance the need for quick funding against the flexibility of repayment terms. Review all associated fees and early repayment options. Look for providers that align with your business size and sector, and consider whether a brokered platform or direct lender better suits your needs.
Conclusion
Choosing the right lender depends on your specific loan purpose and business profile. Banks typically offer structured products suitable for established businesses, while brokers like Funding Agent provide access to multiple options offering speed and choice. Specialists cater to niche sectors or unique lending requirements. Evaluating each type against your need for speed, security, and flexibility will help you secure suitable funding. Always verify terms directly with the lender before committing to a 100 thousand to 150 thousand pounds loan.
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