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Compare Esme business loans

Think Business Loans search over 200 lenders to find you the best funding options for your business.

  • Check your eligibility in minutes (without a credit check)
  • Our matching software, iFunds, will match you against our panel
  • One of our experts will call to discuss your options
  • Receive your funds and grow your business

NO Credit Check Required

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Compare business loans from over 200 business lenders

Choose business rates from

Asset Finance from

2.38%

Bridging Loans from

0.49% per month

Commercial Mortgagesfrom

1.87%

Unsecured Business Loans from

1.80%

Working Capitalfrom

0.40% per month

Choose paperless Commercial Funding

Esme currently offer loans ranging from £10,000 to £250,000 up to 5 years to help your business make the next move. An Esme business loan includes a fixed interest rate, with monthly rates ranging from 0.27% – 1.85% and yearly rates approximately ranging from 3.24% and 22.20%.

Esme business loans are available to both sole traders and commercial businesses. Any property, including your home, that is used as collateral maybe repossessed if you do not keep up repayments on your loan. For more information, visit Esme’s official website.

Key features of an ESME business loan

ESME business loans currently offer flexible borrowing for unsecured business loans. A business loan with ESME allows SME’s to

  • Apply for unsecured borrowing up to £250,000
  • Option to borrow from one to five years
  • No early repayment charges on full or partial repayments
  • Receive fast decisions, with the ability to obtain funds within the hour
  • No arrangement fees
Unsecured Term
£25,000 - £100,000
8.89%
6mths - 5yrs
Unsecured Term
£10,000 - £250,000
8.73%
6mths - 5yrs
Working Capital Loan
£10,000 - £500,000
42.20%
1mths - 2yrs
Unsecured Term
£5,000 - £250,000
9.60%
6mths - 5yrs
Invoice Finance
£10,000 - £10m
-
Rolling
Property Loan
£250,000 - £10m
1.82%
5yrs - 30yrs
Working Capital Loan
£5,000 - £250,000
49%
1mth - 1yr
Merchant Cash Advance
£3,500 - £500,000
-
-
Property Loan
£250,000 - £10m
1.42%
5yrs - 30yrs
Merchant Cash Advance
£3,500 - £500,000
-
-
Unsecured Term
£10,000 - £500,000
8.73%
6mths - 5yrs
Asset Finance
£5,000 - £10m
4.58%
6mths - 7yrs
Term Loan
£5,000 - £25,000
6%
6mths - 5yrs

About Esme

Esme was founded in 2016, with the backing of Natwest. Since then, Esme has grown to become a truly end-to-end digital provider with the most competitive rates on the market. Since its inception, Esme has gone on to help hundreds of businesses secure the commercial funding they needed to ensure their visions became a reality and increase their company’s success.

With a growing number of SME’s looking for an alternative solution to commercial lending, Esme business loans allow business owners to self-serve, while accommodating their individual needs.

About Esme Business Loans

Esme is a paperless commercial finance lender, founded on the belief that no business should have to work hard to get a business loan. That’s why they provide a simple, faster and fairer approach to funding.

Unlike some high street lenders, Esme business loans have an easy and secure paperless application process that only takes 10 minutes. They provide quick decisions and the ability to have the funds in your account with the hour of your application approval.

Esme provide business loans ranging from £10,000 to £250,000 between 1 and 5 year repayment periods. Esme business loans are able to offer your business a quick cash injection to help expand your company in exciting directions.

Esme Contact Info

Esme are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice for Business Customers. For more information please visit https://www.lendingstandardsboard.org.uk/the-standards-for-business-customers

To contact Esme, please email their customer care team at customercare@esmeloans.com. You can also call them on 020 3936 4800. Lines are open Monday to Friday, 9am – 5pm (excluding bank holidays)

Promotions & Offers

As of January 2020, Esme do not currently have any promotions or offers on their commercial funding products.

How to Apply

If you are ready to apply for an Esme business loan, you’ll need to provide some information about you and your business. In order to qualify, you must:

  • Provide either three months company bank statements or last five quarterly VAT returns.
  • Be over 18 years old and a UK resident
  • Actively trading for more than 18 months
  • An annual turnover of more than £15,000

Thanks to it innovate approach to commercial finance, Esme is able to provide a full decision on your application within 10 minutes. However, they may need additional information to make a fully informed decision. Each business loan taken out through Esme is subject to normal lending assessment, status and application. Terms and conditions apply.

Frequently Asked Questions

What types of commercial funding does Esme offer?

Esme offers secured and unsecured business loans to businesses. These are loans are restricted to general business purposes and cannot be used for purchasing equity in other companies.

How long does an Esme business loan take?

Once your loan application is accepted and you have provided your bank account and payment card details, Esme will have the money to you within an hour.

Does Esme offer business loans to all industries?

As of January 2020, Esme provides business loans to sole traders and limited companies. All applications are subject to lending assessment, status and application. For more information about your eligibility to apply, contact Esme.

Where are Esme business loans available?

Esme currently provide business loans in England, Northern Ireland, Scotland and Wales. Esme business loan and commercial finance products are unavailable outside the UK.

Can I check my eligibility before I apply?

Before you take out an Esme business loan, it’s important to check if you are eligible to apply. We recommend you check their list of requirements before you start the application process so it doesn’t affect your credit score.

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