January 23, 2026
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Best Lenders to Secure a 140k Short Term Loan

Best Lenders to Secure a 140k Short Term Loan

Discover the best lenders to secure a £140,000 short term loan in the UK. Compare rates, terms, and find the right option for your financial needs today.
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

Best Lenders to Secure a 140k 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 a straightforward comparison of unsecured business finance options for UK SMEs. It is suited to franchise buyers and operators seeking rapid access to finance with clear eligibility and streamlined application processes. The platform emphasises speed, flexibility, and options without strict collateral requirements.

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 is a financial comparison website offering a variety of loan products. It typically suits UK borrowers looking for short-term loans with diverse options and clear eligibility criteria. The service provides transparency on terms and rates but relies on brokered access rather than direct lending.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 5.5%
  • Max APR: 19.9%
  • Loan Duration: 6-60 months

Services & Industries

  • Finance Types: Personal Loans, Business Loans
  • Industries: Insurance, Utilities

Pros

  • Comprehensive comparison tool
  • No impact on credit score for inquiries

Cons

  • Information overload

Sources: Source

3. Money Saving Expert

Money Saving Expert provides extensive advice and comparison resources focused on affordable loans across personal and business needs. It is suitable for UK borrowers preferring expert guidance to find competitive loan deals. The platform is informational and does not provide direct lending, emphasising transparency.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 4.9%
  • Max APR: 22.5%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Personal Loans, Business Loans
  • Industries: Retail, Banking

Pros

  • Expert advice
  • Comprehensive guides

Cons

  • Not a direct lender

Sources: Source

4. Money Supermarket

Money Supermarket offers loan comparison focused on a range of secured and unsecured financial products. This platform suits borrowers searching for flexible terms and a broad selection of loan types. Access is brokered, and users benefit from tools aimed at saving money through product comparison.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 6.5%
  • Max APR: 24.9%
  • Loan Duration: 1-7 years

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Finance, Insurance

Pros

  • User-friendly interface
  • Wide range of products

Cons

  • Cannot apply directly
  • Advertisements

Sources: Source

5. Go Compare

Go Compare provides a comparison platform for various financial products including short-term loans. It is suitable for UK borrowers wanting a clear overview of loan options for personal and vehicle-related needs. The service is user-friendly but does not originate loans directly, focusing instead on brokered access.

Loan Details

  • Min Amount: £500
  • Max Amount: £25,000
  • Min APR: 5.9%
  • Max APR: 20.9%
  • Loan Duration: 6-36 months

Services & Industries

  • Finance Types: Car Loans, Personal Loans
  • Industries: Travel, Car Insurance

Pros

  • Easy to use
  • Well-known brand

Cons

  • Not a direct lender

Sources: Source

6. Choose Wisely

Choose Wisely offers a comparison service encouraging transparency in lending products, suitable for borrowers seeking payday and personal loans. It is tailored for those wanting informative access to lenders' terms and product details. The focus lies on informed decisions supported by wide lender coverage and disclosure of costs.

Loan Details

  • Min Amount: £100
  • Max Amount: £10,000
  • Min APR: 7.5%
  • Max APR: 29.9%
  • Loan Duration: 3-72 months

Services & Industries

  • Finance Types: Payday Loans, Personal Loans
  • Industries: Finance, Retail

Pros

  • Simple comparison
  • Extensive lender network

Cons

  • Information can be overwhelming

Sources: Source

7. Experian

Experian offers credit reporting combined with a loan search tool matching personal and business lending to credit profiles. It suits borrowers who need tailored loan options and understand the impact of credit checks. Flexibility exists regarding loan types, but eligibility depends on creditworthiness.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 4.5%
  • Max APR: 25.5%
  • Loan Duration: 12-60 months

Services & Industries

  • Finance Types: Credit Check Loans, Business Loans
  • Industries: Financial Services, Telecoms

Pros

  • Comprehensive credit services
  • Educational resources

Cons

  • Credit check required

Sources: Source

8. Cashfloat

Cashfloat is a direct lender in the UK specialising in short-term loans with high APRs. It appeals to borrowers with poor credit or urgent needs where flexible approval is critical. The emphasis is on fast decisions with simple repayment terms, but costs may be higher due to credit risk.

Loan Details

  • Min Amount: £200
  • Max Amount: £2,500
  • Min APR: 10%
  • Max APR: 1299%
  • Loan Duration: 3-6 months

Services & Industries

  • Finance Types: Payday Loans, Short-term Loans
  • Industries: Financial Services

Pros

  • Fast application process
  • Bad credit considered

Cons

  • Very high APR

Sources: Source

9. Lending Stream

Lending Stream is a UK direct lender offering short-term loans with high APRs delivered through an online process. It suits borrowers who need quick funding without collateral and can accept the cost implications. Loan terms and conditions are simple but might be costly for longer durations.

Loan Details

  • Min Amount: £50
  • Max Amount: £1,500
  • Min APR: 292%
  • Max APR: 1271%
  • Loan Duration: 6 months

Services & Industries

  • Finance Types: Short-term Loans, Online Loans
  • Industries: Financial Services

Pros

  • Quick approval
  • Easy online application

Cons

  • High APR

Sources: Source

10. Quidmarket

Quidmarket specialises in short-term loans to manage unexpected costs with fast decisions. It targets borrowers requiring quick access to funds with straightforward terms often at a higher APR. The service is direct and suitable for managing immediate financial needs within a short repayment period.

Loan Details

  • Min Amount: £300
  • Max Amount: £1,500
  • Min APR: 10%
  • Max APR: 1295%
  • Loan Duration: 3-6 months

Services & Industries

  • Finance Types: Short-term Loans, Payday Loans
  • Industries: Financial Services

Pros

  • No hidden fees
  • Quick decisions

Cons

  • High APR for short terms

Sources: Source

How to choose

When choosing the best lender to secure a 140k short term loan, consider your specific financing needs and repayment capability. Assess the loan size, APR, and term flexibility to match your budget and cash flow. Evaluate the application speed and whether the lender requires collateral or offers unsecured options. Check eligibility criteria carefully to avoid unexpected rejections. Finally, balance the trade-off between cost and convenience, and review any additional fees or early repayment terms before applying.

Conclusion

Choosing the right lender depends on your loan purpose and financial circumstances. Bank lenders often suit borrowers seeking large amounts with secured terms, while brokers provide access to multiple options for greater flexibility. Specialist direct lenders are typically faster but may have higher costs, especially for smaller, short-term loans. Funding Agent offers a useful platform for SMEs to quickly compare finance solutions across providers. Always verify current terms directly with lenders to ensure suitability for a 140 thousand pounds loan.

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FAQs

What is a short term loan?
Can I get a short term loan for £140,000?
Which lenders offer the best rates for £140k short term loans?
What are the typical repayment terms for a £140k short term loan?
Are there any risks with short term loans of this size?
How do I apply for a £140k 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 leading comparison website offering a wide array of financial products including short-term loans.£1,000–£50,000; 5.5%–19.9% APR; 6-60 months
3Money Saving ExpertMoney Saving Expert provides free guides and advice on cheap loans, along with comparisons to help you find the best deals.£500–£15,000,000; 4.9%–22.5% APR; Unknown
4Money SupermarketMoney Supermarket helps users save money by comparing loans, credit cards, and other financial products.£1,000–£25,000; 6.5%–24.9% APR; 1-7 years
5Go CompareGo Compare offers comparison services for financial products, including short-term loans, to help customers make informed decisions.£500–£25,000; 5.9%–20.9% APR; 6-36 months
6Choose WiselyChoose Wisely helps consumers to make better financial decisions through transparency and comparison of lending products.£100–£10,000; 7.5%–29.9% APR; 3-72 months
7ExperianExperian provides credit reporting services and helps consumers find personal and business loans that match their credit profile.£1,000–£500,000; 4.5%–25.5% APR; 12-60 months
8CashfloatCashfloat is a UK-based direct lender offering flexible loans even for those with poor credit ratings.£200–£2,500; 10%–1299% APR; 3-6 months
9Lending StreamLending Stream offers short-term loans with an easy and fast online application process for residents in the UK.£50–£1,500; 292%–1271% APR; 6 months
10QuidmarketQuidmarket specialises in providing short-term loans designed to help people manage unexpected expenses.£300–£1,500; 10%–1295% APR; 3-6 months