January 23, 2026
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Best Lenders to Secure a 80k Short Term Loan

Best Lenders to Secure a 80k Short Term Loan

Discover the best lenders offering £80,000 short term loans in the UK. Compare rates, terms, and eligibility to find the right loan for your needs quickly and easily.

Best Lenders to Secure a 80k 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 brokering access to business finance for UK SMEs through a simple and fast application process. It is typically suited for franchise buyers and operators looking for flexible and quick financing options without the need for collateral. Key features include a streamlined eligibility check and a range of repayment types aligned with borrower needs.

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. Lending Expert

Lending Expert acts as an intermediary comparing various UK lenders to offer business loans tailored to different financial needs. This service is suitable for franchise buyers seeking competitive APRs and a broad range of loan amounts. It offers efficient brokered access to lenders with variable collateral and term options.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 2.9%
  • Max APR: 4.66%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Wide range of loan amounts
  • Competitive APR rates

Cons

    Sources: Source

    3. Lendable

    Lendable specialises in offering relatively quick unsecured personal and small business loans suitable for short to medium terms. This provider serves borrowers seeking straightforward, flexible repayments and transparent loan options without compulsory collateral. It fits those needing moderate loan amounts with varied APRs.

    Loan Details

    • Min Amount: £1,000
    • Max Amount: £25,000
    • Min APR: 8.1%
    • Max APR: 48.9%
    • Loan Duration: 1-5 years

    Services & Industries

    • Finance Types: Personal Loans
    • Industries: General

    Pros

    • Fast processing
    • No upfront fees

    Cons

    • High maximum APR

    Sources: Source

    4. GoCompare

    GoCompare provides comparison services for a range of financial products, including business loans, through an accessible online platform. It suits borrowers seeking to understand market options rather than direct lending. Its neutrality offers flexibility in evaluating various finance products without commitment or collateral requirements.

    Loan Details

    • Min Amount: £0
    • Max Amount: £0
    • Min APR: 0%
    • Max APR: 0%
    • Loan Duration: Unknown

    Services & Industries

    • Finance Types: Comparison Services
    • Industries: Various

    Pros

    • Comprehensive comparisons
    • Simple to use

    Cons

    • No direct lending

    Sources: Source

    5. Compare the Market

    Compare the Market offers an online platform that enables users to compare a variety of short-term loan products. It is geared towards borrowers looking for an easy way to assess options without direct negotiations or collateral. The focus is on providing information to aid flexible decision-making based on individual loan needs.

    Loan Details

    • Min Amount: £0
    • Max Amount: £0
    • Min APR: 0%
    • Max APR: 0%
    • Loan Duration: Unknown

    Services & Industries

    • Finance Types: Loan Comparison
    • Industries: General

    Pros

    • Comprehensive loan options
    • Easy comparison process

    Cons

    • No direct lending

    Sources: Source

    6. NatWest

    NatWest is a traditional bank offering small business loans suitable for established UK SMEs. It works well for franchise buyers requiring secured or unsecured lending with competitive interest rates. NatWest features flexible repayment schedules and varying loan-to-value ratios depending on credit assessment.

    Loan Details

    • Min Amount: £1,000
    • Max Amount: £250,000
    • Min APR: 10%
    • Max APR: 15%
    • Loan Duration: 1-7 years

    Services & Industries

    • Finance Types: Small Business Loans
    • Industries: Various

    Pros

    • High loan amount
    • Quick processing

    Cons

    • Interest rates depend on creditworthiness

    Sources: Source

    7. Santander

    Santander provides a range of business lending products including growth capital suitable for a variety of UK businesses. It’s appropriate for franchise buyers and established businesses that require flexible terms and a broad spectrum of loan sizes. Santander’s loans typically allow for different repayment options and consideration of security requirements.

    Loan Details

    • Min Amount: £25,001
    • Max Amount: £5,000,000
    • Min APR: 7.9%
    • Max APR: 23.7%
    • Loan Duration: 1-25 years

    Services & Industries

    • Finance Types: Business Loans, Growth Capital
    • Industries: Various

    Pros

    • Flexible loan terms
    • Diverse loan options

    Cons

    • Complex eligibility criteria

    Sources: Source

    8. HSBC

    HSBC is a longstanding bank offering business and personal loans to UK SMEs with fixed borrowing limits. It suits franchise buyers and small businesses seeking dependable lending with clear repayment schedules. HSBC’s services are known for reliable processing and a variety of loan structures based on credit and collateral consideration.

    Loan Details

    • Min Amount: £1,000
    • Max Amount: £25,000
    • Min APR: 5.7%
    • Max APR: 18.9%
    • Loan Duration: 1-10 years

    Services & Industries

    • Finance Types: Business Loans, Personal Loans
    • Industries: Various

    Pros

    • Trusted bank
    • Low entry loan amounts

    Cons

    • Potential higher APR rates

    Sources: Source

    9. MoneyFacts

    MoneyFacts is a comparison website providing detailed data on UK business loans with a broad industry reach. It is best suited for borrowers needing impartial information to compare loan terms and providers. Since it does not offer direct loans, it appeals to those prioritising flexibility and comprehensive market knowledge.

    Loan Details

    • Min Amount: £500
    • Max Amount: £25,000
    • Min APR: 0%
    • Max APR: 0%
    • Loan Duration: Unknown

    Services & Industries

    • Finance Types: Loan Comparison
    • Industries: Various

    Pros

    • Comprehensive data
    • Diverse options

    Cons

    • No direct lending

    Sources: Source

    10. Fast Loan UK

    Fast Loan UK provides quick decision loans geared toward short-term business financing in the UK. This lender fits SMEs and franchise buyers who prioritise speed and flexibility in repayments. Products are designed for rapid access to funds with a focus on short repayment periods.

    Loan Details

    • Min Amount: £10,000
    • Max Amount: £250,000
    • Min APR: 6.9%
    • Max APR: 0%
    • Loan Duration: 3-12 months

    Services & Industries

    • Finance Types: Short-Term Loans
    • Industries: Various

    Pros

    • Rapid processing
    • Flexible repayment

    Cons

    • Short repayment period

    Sources: Source

    How to choose

    When selecting the best lender for an 80k short term loan, start by assessing loan size, APR, and repayment flexibility to suit your franchise’s cash flow. Consider how quickly you need funds against the complexity of application and eligibility requirements. Check whether the lender requires collateral and what types of repayment plans they offer. Brokering services can provide access to multiple offers but may vary in speed. Always review fees, loan terms, and early repayment policies before committing. Matching your specific business needs with lender capabilities is key to a successful loan.

    Conclusion

    Choosing the right lender depends on your use case. Traditional banks are suited for larger amounts or longer terms with formal criteria. Brokers like Funding Agent offer quicker access to a range of options but may have varied underwriting standards. Specialist lenders fill gaps where speed or niche products are priorities. Consider your business size, collateral availability, and urgency when deciding. An 80 thousand pounds loan requires balancing cost, speed, and suitability carefully to meet your franchise’s needs.

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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
    2Lending ExpertLending Expert compares business loans from various UK lenders, offering loans from £10,000 to £1 Million with competitive APR rates.£10,000–£1,000,000; 2.9%–4.66% APR; Unknown
    3LendableLendable provides fast loans with APRs ranging from 8.1% to 48.9%, and loans of up to £25,000 for a period of 1-5 years.£1,000–£25,000; 8.1%–48.9% APR; 1-5 years
    4GoCompareGoCompare is a UK-based comparison service that helps find the best finance products, including business loans, quickly and easily.£0–£0; 0%–0% APR; Unknown
    5Compare the MarketCompare the Market offers a wide range of loan comparison services, helping borrowers find the best short-term loans available.£0–£0; 0%–0% APR; Unknown
    6NatWestNatWest offers small business loans up to £250,000, with competitive rates and quick access to funds for UK SMEs.£1,000–£250,000; 10%–15% APR; 1-7 years
    7SantanderSantander offers business borrowing solutions ranging from small loans to growth capital for established businesses, with flexible term options.£25,001–£5,000,000; 7.9%–23.7% APR; 1-25 years
    8HSBCHSBC provides loans to SMEs with fixed borrowing up to £25,000, offering both personal and business loan services.£1,000–£25,000; 5.7%–18.9% APR; 1-10 years
    9MoneyFactsMoneyFacts provides a detailed comparison for UK business loans, offering insights into various financing options available.£500–£25,000; 0%–0% APR; Unknown
    10Fast Loan UKFast Loan UK offers short-term solutions for small business financing needs, with quick decisions and flexible terms.£10,000–£250,000; 6.9%–0% APR; 3-12 months