How to get a business loan with Esme

It only takes a few minutes to apply for a business loan. You answer 10 straightforward questions about your business. We’ll give you a simple ‘Yes’ or ‘No’.

And if you’re worried about your credit score, you can use our Pre-checker, which will tell you if you’re eligible and give you an indication of how much  your loan will cost before you apply should your application be accepted. Our Pre-checker is quick and it won’t affect your credit score, whatever the result. Getting a business loan couldn’t be simpler.

How to apply for a loan

Its quick and easy to apply for an Esme business loan — we only need a few details from you to make a decision. Please check that you are eligible before applying.

  • 1Register

    To get started, you’ll need to create a free customer account.

    All you’ll need is your company name or number, your mobile number (so we can text you a code) and a password of your choice, so you can access your account.

  • 2Personal Information

    We’ll need a few basic personal details:

    • Who you are
    • Where you live
    • Your contact details
  • 3Company Details

    Next, tell us a little about your business:

    • What the loan is for
    • Your company registration number
    • Your annual revenue
    • Your net profit before tax
    • Your monthly debt repayments
    • Your minimum annual dividends
  • 4Supporting Information

    To support your application we’ll need to see:

    • Your last five quarterly VAT returns


    • Three months bank statements


    • Latest financial accounts / management information
    • Link your accounting software
  • 5Receive your funds

    If your application is approved you’ll be able to review the offer and e-sign the documents. You’ll receive your money quickly, as the funds will be paid into your account within the hour.*

    *Or within 24 hours if your account is unable to accept faster payments.

Clever Tech

We find traditional lending isn’t always fast enough for the needs of modern businesses. Our technology speeds up the application process and allows us to make decisions quickly, so you can apply for a small business loan in minutes and have the money in your account within hours.

How it works

  • Upload documents electronically
  • Link software such as Xero, FreeAgent and Sage one
Am I eligible for
an Esme loan?
Find out more about
who can apply
How much could
I borrow?
Business loan calculator
Why choose
Learn more about us

What do I need to apply
for a Business loan?


  • 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

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 and other other charges such as arrangement fees.

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