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.
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
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
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
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
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
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
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
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
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
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
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.