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.
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
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
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
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
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
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
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
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
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
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
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.