You can apply for a second loan once you have made 6 consecutive monthly payments on your current loan or paid 50% of the principal. Applying for a second loan is simple. We’ve already got your details, so it only takes one click! Log on to your Esme online account and click on the ‘Get new loan’ button. Esme allows a maximum of 2 loans at a time.

We do not carry out full credit checks. We will carry out a soft credit search on you and any directors whose details you provide. This will not affect your credit score, and can not be seen by other lenders. See our Privacy Notice for more details.

Once you’ve signed your documents and given us your bank account and payment card details, the money will be sent to your account within an hour, so you should receive your funds on the same day if your account can receive faster payments. To check if your account can receive faster payments, you can use this sort code checker.

From the point that your application is approved, you typically have 14 days to accept our offer.

You can see our fees on our Business Loan Calculator.

Our aim is to provide simple loans, as quickly and transparently as possible at a competitive rate. Our system is simple, fast, fair and empowers you to manage and grow your business.

You can borrow from Esme for general business purposes. We do not provide loans for purchasing equity in other businesses.

Esme is fully funded by NatWest. We can deposit your loan into your account as soon as you are approved and accept our offer.

You can borrow between £10,000 and £150,000 from 1 – 5 years! Once you’ve paid 50% of the principal of your current loan, you can apply for a second loan. Esme allows a maximum of 2 loans at a time.

Our eligibility criteria, along with a list of requirements needed to complete your application are set out on our How Esme Works page. We suggest you have a quick look at this before you start your application process, to make sure that you can apply, and that you have everything you need.


If you are having difficulties or have concerns about repaying your loan, please contact us at customercare@esmeloans.com to talk about your options.

Repayments are made either by Direct Debit or Visa Business Debit card. The account/card from which payments are made needs to be owned, controlled and in the name of the business applying. Repayments are taken automatically accordingly to your loan repayment schedule, which you can see on your Esme online account. Remember you are able to make early repayments with no fees!

The minimum amount you can repay early is £100. Remember, there are no early repayment fees!

You will make your first repayment one month after your accept your loan. You can see your loan repayment schedule anytime, anywhere on your Esme online account.


Our decision has been based on information held by credit reference agencies, and the information you have provided. If you wish to review your credit score you can do so with Experian and Equifax. This Business Credit Scoring Guide may also help you understand how business finance decisions are made and the factors that may affect your application for finance.

If you wish to appeal our decision, please contact us at appeals@esmeloans.com. Please provide as much detail as possible as to the basis of your appeal.

Yes! We would love to hear from you about your experience with us and what, in your opinion, makes us different or could be improved, so please contact us at customercare@esmeloans.com with your comments.


You should take legal advice if you have any concerns or questions about the terms of your personal guarantee. The guarantee is a promise to pay all of the borrower’s liabilities to Esme Loans Limited up to the limit specified in the guarantee agreement. The limit will usually match the value of the loan provided, meaning that if the borrower misses a payment, the guarantor may be required to repay the borrower’s loan and interest in full.

You can view, download, and print your loan documents on your Esme online account.

Once you have accepted your offer, you can not cancel your loan. However you can repay the loan at anytime with no early repayment fees.

Loan type

Esme provides unsecured business loans that can be used for a range of business purposes, such as working capital, expansion capital and asset buying. We do not ask you to put up any security to secure your loan. This is different to a secured business loan, which does require security in the form of assets, or even your entire business, as security against your repayments.

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