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 email customercare@esmeloans.com and the team will be happy to help.
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I am an existing customer, what will happen to my business loan following Esme’s announcement to close?

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You do not need to make any changes at this time to your loan with Esme and should continue to repay your loan in accordance with the loan schedule. If you have any questions about your existing loan or would like to make any changes, please continue to contact the customer service helpdesk.


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

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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?

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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?

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You can see our fees on our Rates and Fees.


How are Esme loans funded?

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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?

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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?

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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.