Esme Loans is closing and is not accepting any new loan applications. The Esme team will continue to serve our existing customers who have a loan with us. Existing customers can continue to log into their Customer Dashboard as usual to manage their loan with us.

If you have any questions, please call 0203 936 4800 and the team will be happy to help.
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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 by Direct Debit and must be from the same account the loan is paid into. The account from which repayments 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 can make early repayments with no fees!

When do I start making repayments?


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.

Can I overpay?


Yes you can make an overpayment at any time and you won’t be charged any early repayment fees. How it works depends on when you took your loan out. If you would like to know more about overpayments see our overpayments page.

How do I get more information?


Our Accounts Team are always here to help. You can give us a call on 0203 936 4800 and we’ll assist in whatever way we can.