Best Lenders to Secure a 150k 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 2026-02-12.
Funding Agent focuses on helping UK SMEs find and compare various business finance options quickly. It is suitable for franchise buyers looking for clear loan options with predictable terms. The platform offers fast application processing with broad product access and straightforward eligibility checks.
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
Company B provides competitive short-term lending focused on supporting small and medium enterprises across the UK. It is suited to franchise buyers and operators who need predictable loan terms and moderate flexibility. The lender combines speed with dedicated customer support and typically requires some credit criteria to be met.
Loan Details
- Min Amount: £5,000
- Max Amount: £150,000
- Min APR: 6.9%
- Max APR: 24.9%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Asset Finance
- Industries: Retail, Manufacturing
Pros
- Competitive rates
- Dedicated support
Cons
- Stricter credit requirements
Company C offers quick loan processing and adaptable repayment plans suitable for various UK industries. It fits franchisees and SMEs who value speed and flexible payback options without requiring collateral. Company C’s products emphasize accessibility with a range of financial types to accommodate diverse business needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £200,000
- Min APR: 7.5%
- Max APR: 22%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Invoice Financing
- Industries: Healthcare, Technology
Pros
- Quick processing
- Flexible repayment
Cons
- Higher APR rates for high-risk sectors
Company D delivers tailored financial products with a focus on reliability and customer service. It is suitable for franchise buyers needing custom loan solutions across specific sectors. The lender typically offers loans without requiring excessive collateral, balancing flexibility with sound service.
Loan Details
- Min Amount: £2,000
- Max Amount: £100,000
- Min APR: 5.5%
- Max APR: 18%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Merchant Cash Advances
- Industries: Hospitality, Agriculture
Pros
- Custom solutions
- Excellent service
Cons
- Limited to specific sectors
Company E provides short-term loans tailored to meet specific business needs in the UK market. It suits franchise operators needing reliable products with moderate flexibility and support. The lender focuses on practical loan offerings with straightforward terms optimized for smaller business sectors.
Loan Details
- Min Amount: £3,000
- Max Amount: £50,000
- Min APR: 8%
- Max APR: 26%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Trade Finance
- Industries: Logistics, Construction
Pros
- Tailored products
- Reliable support
Company F targets UK businesses with an emphasis on efficiency and transparent loan terms. It is appropriate for franchise buyers seeking clear pricing and streamlined processes. The lender generally offers suitable products with a focus on straightforward eligibility and timely decisions.
Loan Details
- Min Amount: £10,000
- Max Amount: £120,000
- Min APR: 6%
- Max APR: 21%
- Loan Duration: 12–36 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Business Overdrafts
- Industries: Retail, Education
Pros
- Transparent terms
- Efficient processing
Cons
- Eligibility criteria can be stringent
Company G offers fast and accessible lending aimed at small UK businesses. It is suitable for franchise operators seeking speedy access to funds with minimal paperwork. Company G balances loan speed with moderate flexibility across various sectors.
Loan Details
- Min Amount: £5,000
- Max Amount: £85,000
- Min APR: 9%
- Max APR: 25%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Equipment Financing
- Industries: Automotive, Retail
Pros
- Fast access to funds
- Minimal paperwork
Cons
- Higher cost for small loans
Company H specialises in flexible, short-term financing designed for UK startups and evolving businesses. It suits franchisees looking for adaptable loan terms with supportive services. The lender emphasizes flexibility and solutions tailored to dynamic commercial needs.
Loan Details
- Min Amount: £7,000
- Max Amount: £150,000
- Min APR: 7%
- Max APR: 23%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Startup Loans
- Industries: Startups, E-commerce
Pros
- Flexible terms
- Works well with startups
Cons
- Higher APR for longer durations
Company I offers versatile financial products prioritising customer satisfaction and swift approvals. It is appropriate for franchise buyers who need a range of loan types, including revolving credit. Company I supports flexible repayments with relatively fast decisions, suitable for diverse sectors.
Loan Details
- Min Amount: £1,000
- Max Amount: £60,000
- Min APR: 7.2%
- Max APR: 22.5%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Revolving Credit
- Industries: Food and Beverage, Healthcare
Pros
- Fast approval
- Good customer service
Company J delivers robust short-term finance solutions that support small businesses in managing cash flow gaps. It suits franchise holders requiring quick funding with predictable repayment offerings. The lender focuses on speed and comprehensive support in short-duration loan products.
Loan Details
- Min Amount: £2,000
- Max Amount: £75,000
- Min APR: 10%
- Max APR: 27%
- Loan Duration: 3–18 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Bridge Loans
- Industries: Real Estate, Technology
Pros
- Robust solutions
- Quick disbursement
How to choose
When selecting the best lender to secure a 150k short term loan, consider matching the loan size and APR with your budget and business cash flow. Check each provider’s eligibility criteria carefully to ensure you qualify. Weigh the advantages of speedy application processing against the flexibility of loan terms offered. Consider the type of collateral required, if any, and understand the repayment options available. Reviewing lender fees and early repayment policies will help avoid unexpected costs. Always balance speed, cost, and flexibility to find the best fit for your franchise loan needs.
Conclusion
Choosing the right provider to secure a 150 thousand pounds loan depends on your business requirements and loan purpose. Banks and brokers often offer broad access to products with varying terms, suitable for general business loans. Specialist lenders focus on certain sectors or loan types, making them suitable for niche franchise needs. Funding Agent remains a suitable option for SMEs who want fast comparisons across multiple loan options. Always verify the latest terms and costs directly with lenders before proceeding.
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