January 23, 2026
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Best Lenders to Secure a 90k Short Term Loan

Best Lenders to Secure a 90k Short Term Loan

Discover the best lenders to secure a £90,000 short term loan in the UK. Compare options, interest rates, and terms to find the right loan quickly and easily.
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

Best Lenders to Secure a 90k 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 helping UK SMEs quickly compare various business finance products. It is typically suited to franchise buyers and operators seeking straightforward options with predictable terms. The service offers a fast application process, flexible eligibility checks, and unsecured business loan options without collateral.

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 provides access to a broad selection of business and personal loans through an online comparison platform. It mainly suits borrowers looking for flexible loan amounts and conditions across multiple UK lenders. The platform offers brokered access with varied terms and adaptability to diverse borrower profiles.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 2.9%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: General Business

Pros

  • Low starting APR
  • Wide range of loan amounts

Cons

  • APR varies greatly based on credit worthiness

Sources: Source

3. Norton Finance

Norton Finance offers personal and business loans with adaptable repayment terms and competitive rates. It is generally suitable for SMEs and self-employed individuals requiring flexible financing solutions. The lender provides options with or without collateral, catering to diverse credit profiles and loan purposes.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £50,000
  • Min APR: 5%
  • Max APR: 18.5%
  • Loan Duration: 3–72 months

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: SME, Self-employed

Pros

  • No interest for the first 12 months on certain loans

Cons

  • High maximum APR

Sources: Source

4. Quidmarket

Quidmarket specialises in short-term loans for UK consumers, focusing on underserved segments with quick online application and approval. It is best suited for borrowers needing small, fast loans without collateral. The service emphasises speed and accessibility rather than long-term financing.

Loan Details

  • Min Amount: £300
  • Max Amount: £1,500
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Short-term

Services & Industries

  • Finance Types: Short Term Loans
  • Industries: Consumer

Pros

  • Fast approval
  • Serves underserved consumers

Cons

  • Limited loan amount

Sources: Source

5. MoneySuperMarket

MoneySuperMarket is a major UK price comparison site that helps users find a variety of financial products including loans. It suits borrowers looking for multiple loan options with differing rates and terms. The platform provides quick access to secured and unsecured loans, helping compare based on fixed or variable terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £200,000
  • Min APR: 6.9%
  • Max APR: 29.9%
  • Loan Duration: 6–60 months

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: General

Pros

  • Wide range of comparisons
  • Trusted service

Cons

  • High maximum APR on certain products

Sources: Source

6. GoCompare

GoCompare offers comparison services for various financial products including loans, insurance, and tariffs. It targets borrowers who want to review multiple options for unsecured loans quickly. While it provides a broad overview, it does not directly provide loans but rather facilitates informed choice.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: General

Pros

  • Comprehensive comparisons

Cons

  • No direct lending

Sources: Source

7. NatWest

NatWest is a major UK bank offering personal and business financial services across various sectors. It is suitable for borrowers seeking established financial institutions with a broad product range. Loan details may vary or are unknown but typically include conventional banking products and advice on business finance.

Loan Details

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

Services & Industries

  • Finance Types: Bank Loans
  • Industries: Retail, Commercial, Private Banking

Pros

  • Established bank with wide range of services

Cons

  • Varied customer service experiences

Sources: Source

8. Halifax

Halifax provides a range of personal and business banking products, known for competitive loan rates. It is generally suited for customers seeking secured or unsecured loans with clear repayment schedules. Halifax offers loans with fixed durations supporting varied business needs but may limit unsecured lending options.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £0
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 1–5 years

Services & Industries

  • Finance Types: Bank Loans
  • Industries: General

Pros

  • Competitive APR for business loans

Cons

  • Limited options for unsecured loans

Sources: Source

9. Finance.co.uk

Finance.co.uk provides business loan options for UK enterprises, focusing on flexible products tailored to different business situations. It is suited for borrowers seeking a range of loan amounts and terms with adaptable conditions. The platform supports access to various lenders, enabling businesses to find fitting financing solutions.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Business Loans
  • Industries: General Business

Pros

  • Diverse loan amounts available

Cons

  • Variable interest based on lender

Sources: Source

10. Moneyfacts

Moneyfacts is an independent UK financial data and comparison provider that covers loans among other products. It is best for borrowers wanting unbiased information across lenders without direct lending. The site facilitates comparison of various loans but does not originate them directly.

Loan Details

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

Services & Industries

  • Finance Types: Business Loans
  • Industries: General

Pros

  • Independent comparison service

Cons

  • No lending services

Sources: Source

How to choose

When seeking a 90k short term loan, consider lenders that match your business type and urgency. Assess interest rates and repayment flexibility to fit your cash flow and franchise cycles. Check eligibility requirements carefully, including collateral needs and loan duration limits. Prioritise lenders offering clear, straightforward application processes and transparent terms. Comparing options via brokers or online platforms can help find competitive offers. Always review fees and early repayment policies before committing.

Conclusion

Choosing the right provider depends on your loan purpose and business profile. Banks often suit established borrowers seeking traditional products. Brokers and comparison sites provide access to diverse lenders for flexible or specialist needs. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Always verify terms and conditions for the best fit for a loan around 90 thousand pounds. Conduct thorough due diligence to align your financing with your business goals.

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FAQs

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1 Funding Agent Funding 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
2 Lending Expert Lending Expert is an online comparison service offering access to a wide range of business and personal loans from numerous UK lenders. £1,000–£10,000,000; 2.9%–0% APR; Flexible
3 Norton Finance Norton Finance offers personal and business loans with flexible terms and competitive rates. £2,000–£50,000; 5%–18.5% APR; 3–72 months
4 Quidmarket Quidmarket provides short-term loans to consumers in the UK, focusing on underserved market segments with fast online services. £300–£1,500; 0%–0% APR; Short-term
5 MoneySuperMarket MoneySuperMarket is a major UK price comparison website that helps consumers find the best financial products, including loans, insurance, and energy providers. £10,000–£200,000; 6.9%–29.9% APR; 6–60 months
6 GoCompare GoCompare offers a variety of comparison services for financial products, including loans, insurance, and tariffs. £10,000–£500,000; 0%–0% APR; Flexible
7 NatWest NatWest is one of the major banks in the UK, providing personal and business financial services, with vast expertise in multiple sectors. £0–£0; 0%–0% APR; Unknown
8 Halifax Halifax provides a wide array of personal and business banking services in the UK, known for their competitive loan rates. £50,000–£0; 5%–20% APR; 1–5 years
9 Finance.co.uk Finance.co.uk offers access to business loans for UK enterprises, providing extensive options and flexibility for varied business needs. £1,000–£500,000; 0%–0% APR; Flexible
10 Moneyfacts Moneyfacts is a UK company that provides independent financial data and comparison services for various financial products, including loans. £0–£0; 0%–0% APR; Unknown