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.
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 Business Bank
for more information on the scheme.
Unsecured business loans up to £250k No early repayment charges The interest rate on an Esme loan is fixed for the full term and is charged monthly. Interest is charged on the full loan amount, including any fees added to the loan. The interest rate we offer you will be based on our credit assessment of you and your company and the term of loan.
Monthly rates: 0.27% - 1.85%
Approximate yearly rates: 3.24% - 22.20%
Business loan calculatorsee what you might repay
I'd like to borrow
Representative APR (Fixed)
This example is for indicative purposes only. It’s based on a fixed monthly interest rate of 0.70% equivalent to an annual interest rate of 8.40% (fixed).
A Representative APR (Annual Percentage Rate) is an annual rate that shows the cost of a loan. It’s the rate we expect at least 51% of our customers to get and helps compare the cost of different loans.
Monthly Rate: 0.70%
Representative APR (fixed): 8.73%