Choosing the right finance
If you’re seeking funding for growth, choosing the right type of finance from a source you can trust is essential.
Funding comes in all shapes and sizes. Which option is best for your business will depend on many things: the reason for seeking finance, your trade and working capital cycle, your risk profile, your asset base and the term and amount you require.
What to consider
- Matching your funding to your needs may seem obvious, but a review can show you may be paying for funds you don’t use.
- Leveraging your assets can help you make the most of what you have and could help you access additional funds.
- Using your working capital more efficiently can help boost your growth options.
Types of finance
As one of the UK’s largest banks, we can provide you with a range of solutions that meet your needs.
Term loans and overdrafts – for a straightforward solution with certainty and flexibility built in, a term loan allows you to access capital for growth. For short-term finance, an overdraft helps you keep pace with fluctuating financial demands.
Invoice Finance Solutions – funding that helps you run and grow your business more efficiently, Invoice Finance can help you make the most of your assets. Our Lloyds Bank Commercial Finance team can help you release up to 90% of the value of your unpaid invoices alongside this, Asset Based Lending can unlock further cash tied up in stock, property, plant and machinery to improve your working capital and help support your business plans.
Hire Purchase and Leasing – is a method to secure funding against asset based requirements. It enables you to secure ownership of the assets upon full repayment of the amount lent. The cost of an asset can be spread over its useful working life and paid for out of the revenue it earns. Payment patterns can be tailored to suit your needs, generally involving payment of a deposit and the VAT amount, followed by a series of monthly (or quarterly) instalments.
Capital markets – for more complex, high value or longer-term funding our capital markets teams have expertise in structuring finance packages that meet client needs. These may include senior debt, mezzanine finance, bonds or multi-lender facilities.
Trade finance – as you compete globally, having the right finance to allow you to take advantage of opportunities is crucial, whether as an importer or exporter. Managing and supporting your trade cycle with appropriate funding and risk management tools helps you achieve international success.
Through the cycle support
Locally-based relationship managers, supported by regional credit panels, offer you access to specialist expertise and solutions to help you achieve your business ambitions. They work hard to get under the skin of your business and to deliver funding that can act as a springboard for growth.
By regularly reviewing your funding, we ensure it continues to meet your needs, so that opportunities never pass you by, and we believe in building strong relationships that underpin our commitment to supporting businesses throughout the economic cycle.

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.
The provision of credit or leasing services is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing services that you can comfortably afford.
Important Legal Information
Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.
Factoring, Invoice Discounting, may be provided by one or more of Lloyds Bank Commercial Finance, Lloyds Bank plc or Bank of Scotland plc. Asset Based Lending and Debtor Protection facilities are provided by Lloyds Bank Commercial Finance. Lloyds Bank Commercial Finance Ltd. Registered Office: No.1, Brookhill Way, Banbury OX16 3EL. Registered in England and Wales no.733011.
Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Bank of Scotland plc: Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No.SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.