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 2026-02-02.
Funding Agent focuses on providing quick, comparative access to a range of business finance products for UK SMEs. It is suitable for franchise buyers and operators seeking straightforward options with predictable terms. The platform offers a fast application process with flexible loan durations and no collateral requirements.
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
Century Business Finance specialises in business loans with same-day approval for UK SMEs. It is typically suitable for franchise buyers or businesses needing quick funding. The provider offers straightforward terms with focus on speed and clear eligibility criteria.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 6.9%
- Max APR: 0%
- Loan Duration: 1-5 years ⌛
Services & Industries
- Finance Types: Small Business Loans, Growth Loans
- Industries: Various
Pros
- Fast approval
- Simple process
Portman Finance Group provides business loans and asset finance across sectors in the UK. It suits franchise buyers and SMEs needing secured and flexible finance options. The group offers various repayment structures and some loans without personal guarantees.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 4.4%
- Max APR: 12.3%
- Loan Duration: 3 months to 6 years ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Various
Pros
- No personal guarantees (PG) option
- Flexible terms
Lendable offers personal loans with rapid approvals for customers across the UK. It fits individuals and small businesses seeking flexible repayment plans. Loans are mostly unsecured, with competitive rates, and accessible through a straightforward online process.
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: Personal Finance
Pros
- Same-day funding
- No hidden fees
Funding Options acts as a marketplace connecting SMEs with a broad range of lenders and products. It is suitable for businesses seeking a wide selection of financing solutions through a single platform. Speed and terms vary according to chosen lenders and loan types available via the service.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Marketplace for Business Finance
- Industries: SMEs
GoCompare is a comparison platform offering access to various financial products including loans. It suits borrowers who want to evaluate multiple lenders before choosing. GoCompare focuses on customer satisfaction and transparency with flexible term options via brokers.
Loan Details
- Min Amount: £1,000
- Max Amount: £30,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Loan Comparison
- Industries: Financial Services
Pros
- Comprehensive comparison
- No impact on credit score
Cons
- Does not provide direct loans
Payday UK provides quick payday loan options with fast online approvals for consumer credit needs. It typically suits applicants needing short-term funding for smaller amounts. The provider emphasises speed, with straightforward terms but higher interest rates.
Loan Details
- Min Amount: £50
- Max Amount: £5,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1-3 months ⌛
Services & Industries
- Finance Types: Payday Loans
- Industries: Consumer Credit
Pros
- Fast approval
- Bad credit accepted
Asda Money offers personal loans powered by Lendable, with a focus on competitive rates and quick funds access. It is mostly suited for individuals or small businesses needing straightforward personal finance. The service provides flexible repayment options but may involve variable interest rates.
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: Personal Finance
Pros
- Cashback with Asda Pounds
Cashfloat provides short-term loans with flexible repayment and terms tailored to meet emergency financial needs. It is suitable for borrowers seeking manageable options without long-term commitments. The lender offers unsecured loans with varied terms based on individual circumstances.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 18 months ⌛
Services & Industries
- Finance Types: Short-term Loans
- Industries: Financial Services
Pros
- Flexible repayment options
QuidMarket focuses on providing short-term loans directly to consumers with quick approval processes. It is generally suited for those needing smaller, short-duration loans. The provider offers transparent terms and straightforward online access to lending.
Loan Details
- Min Amount: £300
- Max Amount: £1,500
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1-6 months ⌛
Services & Industries
- Finance Types: Short-term Loans
- Industries: Consumer Credit
Pros
- Fast process
- No hidden fees
Cons
- Limited maximum loan size
How to choose
When seeking the best lender to secure an 80k short term loan, consider your business or personal needs carefully. Look for providers offering loan amounts and terms that match your financial goals and repayment capacity. Check eligibility requirements, including credit score and collateral, to ensure you qualify. Balance the importance of quick approval against flexibility in loan duration and costs. Understand any fees or penalties associated with early repayment. Finally, use comparison resources or marketplaces to explore a range of options without compromising speed or clarity.
Conclusion
Selecting the right lender for a loan around 80 thousand pounds depends on your specific use case. Traditional banks may suit established businesses needing standard terms. Brokers and marketplaces offer access to multiple lender options, ideal for comparison and tailored fit. Specialist lenders provide niche financing but often with specific eligibility criteria. Funding Agent remains a useful starting point for those prioritising quick comparisons across varied products.
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