Esme Loans is closing and is not accepting any new loan applications. The Esme team will continue to serve our existing customers who have a loan with us. Existing customers can continue to log into their Customer Dashboard as usual to manage their loan with us.

If you have any questions, please call 0203 936 4800 and the team will be happy to help.

Coronavirus (COVID-19)

Frequently Asked Questions
In this difficult time, we would like to assure you that we are still operating as usual and are here to support businesses through this period of disruption caused by COVID-19.
Please get in touch with us for any assistance at
We are not an Accredited Lender for The Coronavirus Business Interruption Loan Scheme (CBILS). You can find more information on the scheme and instructions for how to apply via The British Business Bank.

What advice is available for small businesses that are impacted by COVID-19?

The Federation of Small Businesses (FSB) has collated information and advice for employers in relation to COVID-19.
For more information visit the FSB Website

What’s the government doing to help support businesses?

The Chancellor has set out a package of measures to support small businesses through this period of uncertainty cause by COVID-19 this includes the following:
  • Statutory Sick Pay relief package for SMEs
  • A 12-month business rates holiday for all retail, hospitality and leisure businesses in England
  • Small business grant funding of £10,000 for all business in receipt of small business rate relief or rural rate relief
  • Grant funding of £25,000 for retail, hospitality and leisure businesses with property with a rateable value between £15,000 and £51,000
  • The Coronavirus Business Interruption Loan Scheme offering loans of up to £5 million for SMEs through the British Business Bank
  • A new lending facility from the Bank of England to help support liquidity among larger firms, helping them bridge coronavirus disruption to their cash flows through loans
  • The HMRC Time To Pay Scheme
For more information visit

What support are insurers offering?

The FSB has advised businesses to check their policy wording thoroughly. Some insurers may not provide adequate protection due to an outbreak of a disease.
They also advise checking whether Business Interruption cover is included in your commercial insurance policy, as this may provide a provision for this kind of scenario.

How will Esme support?

We understand that SME’s are faced with uncertain and unprecedented times which is why we’re committed to making obtaining financing as simple as possible.
If you’re an existing customer and would like to speak to us about how the current situation may be impacting your business please contact us at
If you’re not an Esme customer and are looking for finance, we provide unsecured loans to businesses from £10,000* to £250,000 over a one to five year repayment period with no set up costs or early repayment fees. Our online application takes just 10 minutes and once approved, money can be in your account within the hour.
Get your instant quote on our website to see how much your business could borrow without affecting your credit score.
*From £25,500 for sole traders


  • Over 18 years old and a UK resident
  • Been actively trading for more than 3 years and a track record of making profit
  • Turnover of more than £50,000 per annum
  • Be a homeowner

How can I make an overpayment?

You can make an overpayment at any time and you won’t be charged any early repayment fees. How it works depends on when you took your loan out. If you would like to know more about overpayments see our overpayments page.

Is Esme part of the Government’s Coronavirus Business Interruption Loan Scheme?

Esme is not currently accredited as part of the Government’s recently announced Coronavirus Business Interruption Loan Scheme. If you want to apply for a Business Interruption Loan, further details of the Government’s delivery partners can be found here