Business Loan Rates and Fees

You can see our rates and fees detailed below. Loans are subject to eligibility and satisfactory credit and affordability checks. Find out if you’re eligible for an Esme business loan here.

Business Loan Rates

The interest rate on an Esme loan is fixed for the full term and is charged monthly. Interest is charged on the full loan amount, including any fees added to the loan. The interest rate we offer you will be based on our credit assessment of you and your company and the term of loan.

Monthly rates: 0.32% - 2.20%
Approximate yearly rates: 3.84% - 26.40%

Business Loan Fees

We don’t believe in hidden fees, and here at Esme we don't offer set-up fees.

You may also be charged a fee if you apply for an Esme business loan through a broker – check with them for more information.

Early repayment

We know that a business’s cash flow can be hard to predict; that’s why if you repay more one month, you’ll pay less the next. You can pay off your loan completely ahead of schedule and at no extra cost.

Business loan calculator – see what you might repay

How much do you want to borrow?*
    How long do you want to borrow for?*
    24 months
      12 months
      60 months

      Repayment Details

      Interest (Fixed)
      Monthly Interest Rate
      Representative APR (Fixed)
      Monthly Payment
      Annual Interest Rate (Fixed)

      This example is for indicative purposes only. It’s based on a fixed monthly interest rate of 0.76% equivalent to an annual interest rate of 9.12%.

      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.

      Contact us

      020 3936 4800
      9am - 5pm Monday to Friday (excl. bank holidays)
      Esme Loans Limited
      8 Devonshire Square, London
      EC2M 4PL - view on google maps

      Need help?

      Contact us