Coronavirus (COVID-19)

If you are concerned about your business being impacted financially due to coronavirus, we are here to support you.
Guidance and support

Please note, we are not an Accredited Lender for The Coronavirus Business Interruption Loan Scheme (CBILS). Visit The British Business Bank for more information on the scheme.
We're here to help

I already have a business loan with Esme, can I apply for another one?


You can apply for a second loan once you have made 6 successful consecutive monthly payments on your current loan. Applying for a second loan is simple. We’ve already got your details, so it only takes one click! Log on to your Esme online account and click on the ‘Get new loan’ button. Esme allows a maximum of 2 loans at a time

If my loan is approved, how long will it take before I receive the money?


Once you’ve signed your documents and given us your bank account details, the money will be sent to your account within an hour; so you should receive your funds on the same day if your account can receive faster payments. This account must also be the same that the Direct Debit will be taken from. To check if your account can receive faster payments, you can use this sort code checker.

What fees does Esme charge?


You can see our fees on our Rates and Fees.

How are Esme loans funded?


Esme is fully funded by NatWest. We can deposit your loan into your account as soon as you are approved and accept our offer.

What are Esme’s eligibility criteria to apply for a loan?


Our eligibility criteria, along with a list of requirements needed to complete your application are set out on our How to Apply page. We suggest you have a quick look at this before you start your application process, to make sure that you can apply, and that you have everything you need.

Will my application impact my personal credit score?


We do not carry out full credit checks. We will carry out a soft credit search on you and any directors whose details you provide. This will not affect your credit score, and cannot be seen by other lenders. See our Privacy Notice for more details.

Once my application is approved, how much time do I have to accept the offer?


From the point that your application is approved, you typically have 14 days to accept our offer.

Are there any restrictions on what I can borrow money for?


You can borrow from Esme for general business purposes. We do not provide loans for purchasing equity in other businesses.

How much money can I borrow and for how long?


You can borrow between £10,000 and £250,000 from 1 – 5 years! Once you’ve made 6 consecutive payments you can apply for a second loan. Esme allows a maximum of 2 loans at a time.