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 Business Bank for more information on the scheme.

Business Loan Rates and Fees

You can see our rates and fees detailed below. Loans are subject to eligibility and satisfactory credit and affordability checks.
 Unsecured business loans up to £250k
 Borrow from 1 - 5 years
 No early repayment charges
 Competitive rates

Business Loan Rates

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 calculator

see what you might repay
I'd like to borrow
Over 2  years
1 year
5 years

Monthly Payment
Interest (Fixed)
Monthly Rate
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%