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 Bank for more information on the scheme.
We're here to help

How does Esme assess loan applications?


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.

Can I tell you about my Esme experience?


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 with your comments.

How can I appeal a loan decision?


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