Best Lenders to Secure a 130k 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.
Funding Agent focuses on providing quick comparisons for UK SMEs seeking business finance with flexible options. It is suitable for businesses looking for unsecured loans without collateral requirements. The provider emphasises speed, straightforward applications, and accessible eligibility matching.
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
Compare the Market offers a brokered platform comparing various loan providers including short-term and business loans. It suits borrowers seeking broad lender options and competitive rates across different finance types. The service emphasises variety, allowing users to find flexibility in amounts and terms.
Loan Details
- Min Amount: £500
- Max Amount: £15,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies by lender ⌛
Services & Industries
- Finance Types: Short-term loans, Business loans, Personal loans
- Industries: Various
Pros
- Multiple lenders compared
- Helps find best rates
Cons
- May not display all potential lenders
Norton Finance provides a range of loan options suitable for individuals and SMEs, including those self-employed. This provider targets borrowers needing secured or unsecured funding with flexible terms. The process supports a variety of repayment types and credit profiles.
Loan Details
- Min Amount: £2,000
- Max Amount: £50,000
- Min APR: 5%
- Max APR: 18.5%
- Loan Duration: 3–72 months ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Various
Pros
- No early repayment fees
- Loans for self-employed
Cons
- Higher APR for bad credit
Merchant Savvy specialises in combining payment processing with competitive finance tailored for UK businesses in various sectors. It is suitable for companies seeking industry-specific solutions alongside finance options. Flexibility and industry focus are key aspects of their offerings.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business finance, Payment processing solutions
- Industries: Retail, Hospitality, Service-based
Pros
- Competitive rates
- Industry tailored solutions
Cons
- Limited information on loan specifics
Little Loans connects borrowers to a network of UK lenders for small to medium-sized loans with fast decisions. It suits individuals and businesses needing quick access to funds with varying repayment options. This service focuses on speed and a convenient application experience.
Loan Details
- Min Amount: £100
- Max Amount: £10,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies by lender ⌛
Services & Industries
- Finance Types: Short-term loans
- Industries: Various
Pros
- Fast application
- Multiple lender comparisons
Cons
- Higher interest for small loans
Asda Money offers personal and short-term loans with a focus on straightforward access and flexible repayment terms. It is suitable for borrowers looking for ease of application and clear repayment options. The provider serves a range of financial needs without requiring collateral.
Loan Details
- Min Amount: £100
- Max Amount: £15,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12-24 months ⌛
Services & Industries
- Finance Types: Short-term loans, Personal loans
- Industries: Various
Pros
- Flexible repayments
- Easy application process
Cons
- Higher rates on smaller loans
Money Supermarket is a comparison platform covering a wide array of financial products including loans. It is suited for borrowers seeking to explore multiple providers with varied terms and rates. The service highlights flexibility and broad choices across different loan types.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Personal loans, Short-term loans
- Industries: Various
Pros
- Wide comparison options
- Detailed APR information
Cons
- Advertisements can be overwhelming
GoCompare provides comparison tools for various financial products including short-term and personal loans. It suits borrowers who want simple, clear options for evaluating loan products. The platform emphasises ease of use and access to multiple lenders.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Short-term loans, Personal loans
- Industries: Various
Pros
- Comprehensive comparisons
- Simple interface
Cashfloat offers small short-term loans geared towards UK residents, including those with bad credit histories. It focuses on fast approval and flexible repayment plans for immediate cash needs. This service is suitable for borrowers requiring quick, short-term funding without extensive collateral requirements.
Loan Details
- Min Amount: £300
- Max Amount: £1,500
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies by lender ⌛
Services & Industries
- Finance Types: Short-term loans
- Industries: Individuals
Pros
- Bad credit considered
- Fast application
Fast Loan UK provides access to quick short-term loans with an emphasis on low APR and transparent terms. The service suits borrowers looking for affordable and fast loan approvals. It offers options primarily for personal and short-term lending needs.
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: Individuals
Cons
- Limited loan amount details
How to choose
When choosing the best lender for a 130k short term loan, consider your credit profile and loan purpose. Ensure the lender offers appropriate terms, including repayment flexibility and loan duration matching your needs. Compare APRs carefully and check eligibility criteria. Consider whether the lender requires collateral or offers unsecured loans. Look for a straightforward application process and transparent fees. Reviewing multiple options can balance speed, cost, and fit.
Conclusion
Choosing the right lender depends on the loan use case and borrower needs. Brokers and comparison services offer access to many lenders and flexible options, while banks may provide structured products with stricter criteria. Specialist lenders often address niche requirements such as bad credit or specific industries. Funding Agent is a reliable source for quick comparisons geared towards SMEs. Understanding your priorities helps in selecting the best fit for a loan around 130 thousand pounds.