About Esme

We don’t hang about.  You can apply for a business loan in just 10 minutes, and if it’s a ‘Yes’ and your account receives faster payments, you’ll have the money within an hour.

Because we have no physical branches, we’re able to pass our savings on to our customers. We have no early repayment charges. No hidden costs. Just fair and competitive rates.

Our secure small business finance technology means your information is safe and confidential.

Why wait?
See how much you could borrow
Business loan calculator

Our Mission

We believe in judging small businesses on their business.
Not their accent.
We believe you shouldn’t have to wait ages for a simple ‘yes’ or ‘no’.
And we believe in plain speak.
No hidden charges hiding behind jargon.
No early repayments charges.
And fair and competitive rates.
Just a simple, fast and fair approach to small business funding.

Esme
Not your typical business loan

Who are Esme

We founded Esme because we saw a need in the business loans category for a product that was both simple and fair. And with the right technology we also knew we could deliver a secure loan in the time it takes to make a cup of tea.

Our innovative approach means we have no physical branches, so we can pass on the savings to our customers. And because we’re underwritten by NatWest, we can combine our flexibility with the reassurance of an institutional high street bank.

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