Best Lenders to Secure a 110k Short Term Loan
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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 to compare business financing options for UK SMEs quickly. It is suitable for SMEs seeking loan choices with clear eligibility in a streamlined process. Speed and straightforward application methods help users find suitable unsecured loans and working capital solutions.
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. GoCompare
GoCompare offers a comparison platform for various financial products, including business loans. It suits individuals and businesses looking to evaluate options across lenders. The site provides easy access to multiple providers without lending directly, focusing on fast and broad comparisons.
Loan Details
- Min Amount: £0
- Max Amount: £750,000
- Min APR: 6.9%
- Max APR: 14.9%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Comparison services
- Industries: Financial products
Pros
- Wide range of comparison options
- Easy online platform
Cons
- Does not lend directly
Sources: Source
3. MoneySuperMarket
MoneySuperMarket is a UK platform comparing a variety of financial products, including business loans. It suits those who want to explore different options before committing. The service is designed for fast comparisons, offering transparency but no direct lending.
Loan Details
- Min Amount: £10,000
- Max Amount: £200,000
- Min APR: 6.9%
- Max APR: 29.9%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Comparison services, Business loans
- Industries: Financial services
Pros
- Comprehensive comparison service
Cons
- Does not provide direct lending
Sources: Source
4. Norton Finance
Norton Finance acts as a broker for secured and unsecured loans tailored to businesses. It is suited for borrowers needing flexible loan structures, often backed by assets. The service provides competitive APRs with various repayment options and industry coverage.
Loan Details
- Min Amount: £2,000
- Max Amount: £1,000,000
- Min APR: 4%
- Max APR: 65.2%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Various
Pros
- Flexible loan options
- Long-established company
Cons
- Higher APRs for some products
Sources: Source
5. Little Loans
Little Loans operates as a credit broker connecting borrowers with lenders mainly for short term and payday loans. It is best suited to consumers and SMEs seeking quick access via multiple lenders. The platform offers varying APRs and loan durations, with emphasis on ease and speed rather than direct lending.
Loan Details
- Min Amount: £100
- Max Amount: £10,000
- Min APR: 48.1%
- Max APR: 1721%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Short term loans, Payday loans
- Industries: Consumer finance
Pros
- Fast online service
- Wide range of lenders
Cons
- High APRs for loans
Sources: Source
6. Dot Dot Loans
Dot Dot Loans is a UK lender focusing on short-term and unsecured loans. It suits borrowers requiring quick access to credit with a range of APRs and repayment terms. The lender emphasises speed and straightforward approval processes within consumer finance markets.
Loan Details
- Min Amount: £100
- Max Amount: £5,000
- Min APR: 48.1%
- Max APR: 1721%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Short term loans, Unsecured loans
- Industries: Consumer finance
Pros
- Quick approval process
Cons
- Very high APR rates
Sources: Source
7. Cashfloat
Cashfloat is a direct lender offering clear loans with transparent fees and flexible repayment options. It serves those needing short term credit with varying APRs, primarily in the consumer finance sector. The approach emphasises clarity and multiple borrowing amounts fitting different needs.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 295.58%
- Max APR: 1294%
- Loan Duration: Up to 18 months ⌛
Services & Industries
- Finance Types: Short term loans, Payday loans
- Industries: Consumer finance
Pros
- Wide range of borrowing options
- Transparent fees
Cons
- High APRs
Sources: Source
8. Fast Loan UK
Fast Loan UK specialises in short term loans with quick approval processes. It is geared towards borrowers needing rapid access to small loan amounts. The lender’s product range is limited but offers potential flexibility for those with credit challenges.
Loan Details
- Min Amount: £50
- Max Amount: £2,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Short term loans
- Industries: Consumer finance
Pros
- Fast approval
- Bad credit considered
Cons
- Limited loan amounts
Sources: Source
9. Quidmarket
Quidmarket offers short term loans focusing on fast and convenient funding solutions. It suits users seeking prompt access with minimal requirements. The lender provides straightforward terms but limited detail about APRs and loan sizes.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Short term loans
- Industries: Consumer finance
Pros
- Quick funding
Cons
- Lack of detailed APR information
Sources: Source
10. Funding Circle
Funding Circle provides business loans designed to help small businesses expand and manage working capital. It is geared towards borrowers who need competitive rates and varied loan durations. The lender offers secured and unsecured products tailored to small business needs with structured repayment terms.
Loan Details
- Min Amount: £10,000
- Max Amount: £750,000
- Min APR: 6.9%
- Max APR: 29.9%
- Loan Duration: Up to 6 years ⌛
Services & Industries
- Finance Types: Business loans, Secured loans, Unsecured loans
- Industries: Small business financing
Pros
- Competitive rates
- Supportive of small businesses
Cons
- Detailed criteria for eligibility
Sources: Source
How to choose
When seeking a loan around 110k pounds for short term needs, consider loan size, APR, and term length carefully. Check each lender’s eligibility requirements to find matches for your business profile. Balance speed of approval against loan flexibility and repayment conditions. Evaluate whether loans require collateral or are unsecured, as this affects cost and approval. Review fees and early repayment options to minimise unexpected costs. Prioritise lenders offering clear terms suited for your franchise cash flow and seasonality.
Conclusion
Choosing the right lender depends on your specific loan needs. Bank lenders often provide competitive rates for larger or secured loans. Brokers can offer access to a wider range of options suitable for varied business types. Specialist lenders may focus on speed or particular loan types, such as short term or payday loans. Funding Agent is a useful platform for SMEs seeking quick comparisons across multiple lenders. Always verify the latest terms and costs directly with providers when pursuing a 200 thousand pounds loan.
