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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
What is a personal guarantee and how does it work?
LinkYou should take legal advice if you have any concerns or questions about the terms of your personal guarantee. The guarantee is a promise to pay all of the borrower’s liabilities to Esme Loans Limited up to the limit specified in the guarantee agreement. The limit will usually match the value of the loan provided, meaning that if the borrower misses a payment, the guarantor may be required to repay the borrower’s loan and interest in full.
Is there a cancellation period once the loan has been agreed?
LinkOnce you have accepted your offer, you cannot cancel your loan. However you can repay the loan at anytime with no early repayment fees.
Where can I find my loan documents?
LinkYou can view, download, and print your loan documents on your Esme online account. Login here.
