February 12, 2026
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Best Lenders to Secure a 50k to 100k Short Term Business Loan

Best Lenders to Secure a 50k to 100k Short Term Business Loan

Discover the best UK lenders offering short term business loans from £50,000 to £100,000. Compare rates, terms, and get funds quickly to grow your business.
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Lenders to Secure a 50k to 100k Short Term Business 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.

1. Funding Agent

Funding Agent focuses on providing quick and straightforward loan comparison services for UK SMEs. It is well-suited for franchise buyers and small business operators who value a fast application and easy eligibility check. The platform offers access to a range of finance options with varying terms, with no security typically required and flexible repayment models available.

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. Funding Options

Funding Options acts as a broker platform connecting UK businesses with a broad range of lenders. It suits borrowers looking for multiple finance types, including short-term loans and asset finance. The service offers some flexibility and a wide spectrum of loan terms, with varying requirements around collateral and repayment options depending on the lender chosen.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 4.9%
  • Max APR: 89.9%
  • Loan Duration: 1-48 months

Services & Industries

  • Finance Types: Short-term loans, Asset finance
  • Industries: Retail, Manufacturing, Service

Pros

  • Wide range of options
  • Easy comparison

Cons

  • High APR for some options

Sources: Source

3. IWOCA

IWOCA offers fast and flexible short-term loans across Europe, including the UK market. It is appropriate for small businesses needing quick access to funds without the complexity of secured lending. Loans are typically unsecured with straightforward terms, providing flexibility in repayment and decision speed.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £200,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-12 months

Services & Industries

  • Finance Types: Short-term business loans
  • Industries: Various

Pros

  • Flexible loan amounts
  • Quick processing

Cons

  • Availability may vary

Sources: Source

4. Fleximize

Fleximize provides flexible business funding designed for varied UK SME needs. It suits franchise buyers and small businesses wanting access to unsecured loans with adaptable repayment schedules. The provider focuses on speed and clarity, offering transparent fees and multiple repayment structures without requiring high collateral.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0.38%
  • Max APR: 1.2%
  • Loan Duration: 1-48 months

Services & Industries

  • Finance Types: Short-term business loans, Merchant cash advances
  • Industries: Retail, Healthcare, Construction

Pros

  • Flexible repayment options
  • No hidden fees

Cons

  • High rates for certain industries

Sources: Source

5. Boost Capital

Boost Capital focuses on rapid business funding tailored for small and medium enterprises in the UK. This lender is suitable for franchise owners needing quick capital with straightforward terms. The service prioritizes speed and simplicity, with repayment options based on revenue generation and no heavy collateral demands.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £500,000
  • Min APR: 1.5%
  • Max APR: 10%
  • Loan Duration: 4-24 months

Services & Industries

  • Finance Types: Revenue-based financing, Business loans
  • Industries: Hospitality, Manufacturing, Retail

Pros

  • Rapid funding
  • Simple application

Cons

  • Requires regular repayments

Sources: Source

6. Nucleus Commercial Finance

Nucleus Commercial Finance offers a variety of business finance products focusing on short-term loans and invoice financing. It suits UK SMEs needing flexible funding for growth, often involving some form of security or collateral. The lender provides tailored financing solutions with moderate loan-to-value ratios and structured repayment plans.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 5.1%
  • Max APR: 12.9%
  • Loan Duration: 6-24 months

Services & Industries

  • Finance Types: Short-term loans, Invoice finance
  • Industries: Construction, Retail, Technology

Pros

  • Large loan amounts available
  • Diverse finance solutions

Cons

  • Strict eligibility criteria

Sources: Source

7. Capify

Capify specializes in alternative funding products, providing short-term loans and merchant cash advances to UK businesses. It suits SMEs and franchisees looking for flexible borrowing without traditional bank restrictions. Capify’s funding focuses on speed and unsecured access, offering variable repayment terms based on business turnover.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 8.9%
  • Max APR: 35%
  • Loan Duration: 6-15 months

Services & Industries

  • Finance Types: Merchant cash advance, Short-term loans
  • Industries: Retail, Entertainment, Service

Pros

  • Quick approval
  • Flexible repayments

Cons

  • Higher cost for smaller loans

Sources: Source

8. Lloyds Bank

Lloyds Bank is a traditional high-street bank providing a broad range of business loans and overdraft products. It serves franchise buyers and SMEs requiring secured or unsecured financing with options for longer repayment durations. The bank focuses on risk assessment, collateral requirements, and offers structured repayment plans suited to established businesses.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 7.3%
  • Max APR: 12.9%
  • Loan Duration: 1-25 years

Services & Industries

  • Finance Types: Business loans, Overdrafts
  • Industries: Various

Pros

  • Established bank
  • Various financing options

Cons

  • Strict lending criteria

Sources: Source

9. Aldermore Bank

Aldermore Bank offers straightforward banking solutions focusing on business finance products such as asset and invoice finance. It is suitable for franchise buyers and SMEs requiring moderate loan amounts with secured or asset-backed options. Aldermore balances competitive pricing with personalised service and established lending criteria.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 8.6%
  • Max APR: 19.9%
  • Loan Duration: 3-60 months

Services & Industries

  • Finance Types: Asset finance, Invoice finance
  • Industries: Manufacturing, Property, Transport

Pros

  • Specialist lender
  • No hidden fees

Cons

  • Limited branches

Sources: Source

10. Barclays Bank

Barclays Bank provides comprehensive business financial services including tailored short-term loans. It is appropriate for franchise and SME borrowers seeking a range of secured and unsecured products with varying loan sizes. Barclays emphasises structured repayment plans and customer support suitable for more established businesses.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 5.9%
  • Max APR: 15.5%
  • Loan Duration: 5-60 months

Services & Industries

  • Finance Types: Business loans, Line of credit
  • Industries: Various

Pros

  • Wide range of services
  • Strong customer support

Cons

  • May require collateral

Sources: Source

How to choose

When selecting the best lender for a 50k to 100k short term business loan, consider your specific needs and business profile. Review loan sizes, APRs, and repayment terms to fit your cash flow and financial plans. Check lender eligibility requirements and whether collateral is needed. Assess the speed of approval and flexibility in repayment options. Balance the benefits of brokers versus direct lenders, and always clarify fees and early repayment penalties before committing.

Conclusion

Selecting the right lender depends on your business type and loan purpose. Traditional banks typically suit established businesses with secured needs, while brokers and specialist lenders offer more flexibility for diverse loan sizes and unsecured options. Funding Agent is a practical tool for comparing multiple loan options efficiently. For a short term loan in the range of 50 to 100 thousand pounds, carefully balance terms, costs, and lending criteria to find the best fit.

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FAQs

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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
2Funding OptionsFunding Options is a UK-based platform that helps businesses discover and secure loans from a range of lenders.£5,000–£2,000,000; 4.9%–89.9% APR; 1-48 months
3IWOCAIwoca provides fast, flexible loans to small businesses across Europe.£1,000–£200,000; 0%–0% APR; 1-12 months
4FleximizeFleximize offers flexible funding solutions for small businesses in the UK.£5,000–£500,000; 0.38%–1.2% APR; 1-48 months
5Boost CapitalBoost Capital specializes in fast business funding solutions tailored to small and medium-sized enterprises.£3,000–£500,000; 1.5%–10% APR; 4-24 months
6Nucleus Commercial FinanceNucleus Commercial Finance provides a range of business finance solutions, including short-term loans, to help UK businesses grow.£5,000–£2,000,000; 5.1%–12.9% APR; 6-24 months
7CapifyCapify provides alternative business funding solutions through flexible, short-term business loans in the UK.£5,000–£500,000; 8.9%–35% APR; 6-15 months
8Lloyds BankLloyds Bank provides a range of financial services, including business loans for short-term financial needs.£1,000–£100,000; 7.3%–12.9% APR; 1-25 years
9Aldermore BankAldermore Bank provides straightforward banking solutions for small and medium-sized enterprises across the UK.£10,000–£250,000; 8.6%–19.9% APR; 3-60 months
10Barclays BankBarclays Bank offers a wide range of business financial services, including tailored short-term loan options for businesses.£1,000–£1,000,000; 5.9%–15.5% APR; 5-60 months