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.
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
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
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
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
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
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
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
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
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
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
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.