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Please ensure you are eligible
You must be a sole trader or Director of a UK Limited company registered with Companies House that has been actively trading for at least 3 years. You must have a turnover of £50,000 or more and a track record of making profit. The minimum age for applying is 18 years old and you need to be a UK resident and a homeowner.
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?
LinkOur 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?
LinkYes! 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.
How can I appeal a loan decision?
LinkIf 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.
