January 23, 2026
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Best Lenders to Secure a 130k Short Term Loan

Best Lenders to Secure a 130k Short Term Loan

Discover the best lenders offering £130,000 short term loans in the UK. Get quick approval, competitive rates, and flexible repayment options tailored to your needs.
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 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.

1. Funding Agent

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

Sources: Funding Agent

2. Compare the Market

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

Sources: Source

3. Norton Finance

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

Sources: Source

4. Merchant Savvy

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

Sources: Source

5. Little Loans

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

Sources: Source

6. Asda Money

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

Sources: Source

7. Money Supermarket

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

Sources: Source

8. GoCompare

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

Cons

  • Limited lender list

Sources: Source

9. Cashfloat

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

Cons

  • High APR

Sources: Source

10. Fast Loan UK

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

Pros

  • Low APR private lending

Cons

  • Limited loan amount details

Sources: Source

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.

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FAQs

What is a short term loan?
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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
2Compare the MarketCompare the Market is a comparison service helping users find the best deals for different loan types including short-term and business loans, featuring a variety of providers offering competitive rates.£500–£15,000,000; 0%–0% APR; Varies by lender
3Norton FinanceNorton Finance provides a wide range of loan options catering to individuals and SME's, facilitating loans up to £50,000 and offering support for those self-employed.£2,000–£50,000; 5%–18.5% APR; 3–72 months
4Merchant SavvyMerchant Savvy assists UK businesses in finding the best payment processing and competitive finance solutions tailored to various industry needs.£0–£0; 0%–0% APR; Unknown
5Little LoansLittle Loans provides small to medium-sized loans quickly and efficiently, with a network of over 30 UK lenders focused on instant decisions.£100–£10,000; 0%–0% APR; Varies by lender
6Asda MoneyAsda Money offers personal financial products including short-term loans, designed for easy access and flexible repayment options.£100–£15,000; 0%–0% APR; 12-24 months
7Money SupermarketMoney Supermarket offers comparison services for various financial products including loans, helping find the best rates available from a multitude of providers.£0–£0; 0%–0% APR; Varies
8GoCompareGoCompare assists consumers in making informed financial decisions by comparing loans and other financial products to find suitable options.£0–£0; 0%–0% APR; Unknown
9CashfloatCashfloat offers small short-term loans to UK residents, focusing on quick disbursement and flexible terms, even for those with bad credit.£300–£1,500; 0%–0% APR; Varies by lender
10Fast Loan UKFast Loan UK provides quick loans with low APR options, offering transparent services focusing on affordable short-term borrowing.£0–£0; 0%–0% APR; Unknown