We're here to help

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

Link

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?

Link

Once you’ve signed your documents and given us your bank account and payment card 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. To check if your account can receive faster payments, you can use this sort code checker.


What fees does Esme charge?

Link

You can see our fees on our Rates and Fees.


How are Esme loans funded?

Link

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?

Link

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?

Link

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?

Link

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?

Link

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?

Link

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.