Our decision is based on information held by credit reference agencies, and the information you have provided. If you wish to review your credit score you can do so with Experian and Equifax. This Business Credit Scoring Guide may also help you understand how business finance decisions are made and the factors that may affect your application for finance.

Yes! We would love to hear from you about your experience with us and what, in your opinion, makes us different or could be improved, so please contact us at customercare@esmeloans.com with your comments.

If you wish to appeal our decision, please contact us at appeals@esmeloans.com. Please provide as much detail as possible as to the basis of your appeal.