Business loans from Esme.
Simple, fast and fair.

  • Apply online for a business loan in just 10 minutes with Esme by completing our online application.
  • No hassle, no paperwork.
  • If you’re approved, we’ll send you the money the same day. If your account can receive faster payments, you’ll get it within the hour.
  • That means more time to focus on the important things.
  • Esme offers business loans of £5k-£150k across 1-5 years.
  • We’ll show you exactly how much your loan will cost — no hidden fees, no early repayment fees.
Apply now

Fees apply.

You must be over 18 and you’ll need to provide a personal guarantee for the loan.

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%. Over half our customers get this rate or better.

Apply for your business loan now

Esme’s business loan application process is quick, easy and secure — it takes just 10 minutes online.

Find out more about how to get a business loan with Esme on our How Esme Works page or visit our FAQ section.

To apply for an Esme business loan, all you need is:

  • Your basic personal and business details
  • VAT returns or business bank statements
  • Your mobile phone – we will send you a verification code to check that it’s you
  • A nice cup of tea…

Business loans from Esme. Simple, fast and fair.

If you’re wondering how to get a business loan, look no further. Our sophisticated technology-based process allows us to undertake a rapid assesment of your application and provide you with an offer in a matter of minutes.


If approved, you can see at a glance exactly how much the loan your business needs will cost you, securing a loan within minutes. No hassle, no paperwork.


It only takes 10 minutes to apply and if approved, the working capital your business needs could be in your account in an hour (if your account can receive faster payments), leaving you with more time to focus on other important things.


Esme offers flexible business loans of £5k-£150k across 1-5 years. We show you exactly how much your loan will cost – no hidden fees, no early repayment penalties.

The Esme SME Study 2017

We’ve surveyed 1,250 small and medium business owners to discover everything from how they financed their business, to their biggest challenges.

Take a look at the results and find out all about the UK’s SME landscape.

Top results from the Esme SME study

  • 79% of business owners don’t believe Brexit will have a positive impact on their business.
  • Only 16% of female business owners believe the current economic outlook will have a positive impact on their business.

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

Apply now

Safe and sound

As you’d expect, we’ll keep your information confidential and safe.

We’re a new company with a refreshing approach to business loans, but we’re also a safe pair of hands. Our team has over 100 years of experience in financial services, so when it comes to lending to UK businesses, rest assured you’re working with professionals.

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

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