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.
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
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
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
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
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
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
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
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
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
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
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.