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What should I do if I am having difficulties repaying my business loan?


If you are having difficulties or have concerns about repaying your loan, please contact us at to talk about your options.

Are there any restrictions on what I can borrow money for?


We lend to businesses for a variety of reasons and our loans have been used to buy new equipment, grow teams, purchase stock or bridge cash flow. The only thing we don’t provide loans for is purchasing equity in other businesses.

How do I make repayments?


Repayments are made either by Direct Debit or Visa Business Debit card. The account/card from which payments are made needs to be owned, controlled and in the name of the business applying. Repayments are taken automatically accordingly to your loan repayment schedule, which you can see on your Esme online account. Remember you are able to make early repayments with no fees!

When do I start making repayments to the loan?


You will make your first repayment one month after you accept your loan. You can see your loan repayment schedule anytime, anywhere on your Esme online account.