Our Pre-Checker allows you to find out if you’re likely to be approved for a business loan, without affecting your credit score
loans
Not your typical business loan
Our business loans have competitive and fair rates. There are no early repayment charges. No hidden costs and they only take a few minutes to apply for, so there’s no waiting around.
Proud sponsors of:
- Loan amount
£10k – £150k - Loan term
1 – 5 years - Apply online in
just 10 minutes
You must be over 18 and you’ll need to provide a personal guarantee for the loan.
More flexible payment terms. So you can pay more one month and less the next
No early repayment charges
Repayment Calculator
* This example is for indicative purposes only. It’s based on a fixed monthly interest rate of 1% equivalent to an annual interest rate of 12%.
Representative APR (Annual Percentage Rate) is used for comparison purposes and shows the annual interest rate that we expect at least 51% of customers who are accepted for and enter into a loan agreement with us to get. APR takes into account not just the interest on the loan, but also other charges you have to pay, for example, arrangement fees.
Getting a business loan should be straightforward
No hard-working business should have to work hard to get a business loan.Our technology makes the application process fast and secure. There’s no hanging around for an answer. No hidden costs and if we approve your application and your account receives faster payments, you won’t have to wait more than an hour for the money to appear in your bank account.
10 minutes
to apply
A simple yes
or no answer
Funds in your account
within an hour
What do I need to apply
for a Business loan?
Eligibility
- Over 18 years old
- A director of a UK Limited company
- Have been actively trading for at least 18 months
- Turning over more than £15k per annum
- Able to provide a personal guarantee
Details you need to apply
- Your basic personal and business details
- Your Limited company number
- Last 5 VAT returns or 3 months bank statements
Soft Credit Check
We use a soft credit check that does not affect your personal credit rating. You’ll see the search if you check your credit file, but lenders won’t.
Don't just take our word for it...
“The product that Esme offer is great for the clients; low rates, long terms, and a quick decision. Esme has what you require.”
Preeti Arora, Broker, Konnect Financial
“The whole process was clear, straightforward and very simple. Your prompt replies as I went through the process were first class and I would have no hesitation in recommending you to anyone seeking a fast and speedy response and process.”
Neil Mason, Director, Riviera Multimedia Limited
“Esme has been a great addition to the Alternative Business Funding platform, with a clearly defined product, an easy to use portal with great speed of service. The back end process is particularly swift with the use of e-signatures and the funds being received less than an hour later.”
John Evans, Broker, Alternative Business Funding
“The process was very smooth, and the speed of response was excellent as well. The client and broker were very impressed with the outcome. We will certainly be using you again.”
Paul Debney, Broker, Bright Star Financial
Safe and sound
While our approach is reassuringly different, we’re underwritten by NatWest so you can be sure you and your information are in safe hands.
Compare us
You can review business banking products and support services from other providers at Business Banking Insight as rated by UK businesses in a free independent survey.
You can also compare us with others in the market on the following websites, as suggested by the UK Government.
Funding Options
Funding Xchange
Alternative Business Funding
Site
Legal
Contact
020 3936 4800
customercare@esmeloans.com
Esme Loans Limited, RocketSpace, Regents House,
40-42 Islington High Street, N1 8EQ