How to get a business loan with Esme

Esme’s simple, fast and fair approach makes getting a business loan quick and easy.

It only takes 10 minutes to apply, and if you’re approved, we can send you the money your business needs in an hour (you should receive your funds on the same day if your account can receive faster payments). Leaving you with more time to focus on the important things!

Why wait? Get the funds
your business needs now
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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.

1. Register

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.

2. Personal

We’ll need a few basic personal details:

  • Who you are
  • Where you live
  • Your contact details

3. Company 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

4. Supporting

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

5. Receive your

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

Traditional lending isn’t always quick enough to support the needs of real people running modern businesses.

Our sophisticated, efficient approach allows us to make decisions quickly, so we can provide you with the money you need, fast.

How is clever tech used throughout the application process?

  • Upload documents electronically
  • Link e-Commerce accounts to your application
  • Link software such as Xero, Free agent and Sage one
Am I eligible for
an Esme loan?
Find out more about
who can apply
How much could
I borrow?
Business loan
Why choose
Learn more
about us

Who can apply?

To be eligible for an Esme loan you must be:

  • over 18 years old
  • a Director of your Business
  • able to provide a personal guarantee for the loan
  • your company must be a Limited company registered at UK Companies House and be actively trading for 18 months or more
  • your company must have a current annual turnover of at least £15k

To complete your applications you will need:

  • your basic personal and business details
  • your limited company number
  • last 5 VAT returns or 3 months bank statements

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.

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