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The Coronavirus Business Interruption Loan Scheme

Support for businesses without a dedicated Relationship Manager 

We're here to support our customers during the Covid-19 outbreak and have been confirmed as an accredited lender to offer the Government’s recently announced Coronavirus Business Interruption Loan Scheme (CBILS).

The scheme enables us to offer businesses a government-backed lending facility where they meet the British Business Bank’s eligibility and our credit criteria. 

Businesses with a turnover up to £45 million will be able to access loans of up to £5 million, with the first 12 months interest-free and the first 6 months capital repayment free, to support them during the COVID-19 pandemic. 

Please note, the customer remains liable for repayment of 100% of the loan.  If Lloyds Bank do not currently provide you with transactional banking facilities, please speak to your main bank for support in the first instance.

To find out more about the scheme please visit the British Business Bank website.

We are facing an unprecedented level of customer demand and are endeavouring to do all we can to meet customer requests. 

To ensure your enquiry is correctly handled, please review the three eligibility sections below:

Section 1 - Eligibility criteria questionnaire

If you can answer ‘yes’ to all of the following questions, you may be eligible for the government-backed scheme.

All decisions are subject to credit decision.

  1. Are you an existing Lloyds Bank customer?
  2. Are you requesting funding of £25,000 or more?
  3. Is your enquiry for finance as a result of the Coronavirus pandemic?
  4. Are you a small or medium-sized enterprise with a turnover of less than £45m?
  5. If you’re borrowing less than £5m in total (including any existing Enterprise Finance Guarantee loans), is this for a maximum of 6 years?
  6. Does, or will, your business generate 50% or more of its income from selling goods or providing services?
  7. Is your business based in the UK, and will the loan be used to support trading in the UK?
  8. Are you applying for a loan in Pound sterling (GBP)?
  9. Is the main reason for seeking finance to support investment, increase working capital, fund business growth or acquisitions, or to refinance existing borrowing?
  10. Can you confirm that your business has not accumulated losses greater than half of your subscribed share capital as at 31 December 2019? 
  11. Can you confirm that your business has not previously received rescue or restructuring aid that is yet to be reimbursed or is still under a restructuring plan?

Section 2 - Industry eligibility

A small number of industries are not eligible under the British Business Bank scheme rules. If your industry appears in the list below, you will not be able to apply for a loan through this scheme.

  • Banks, Building Societies or Insurance.
  • Primary and General secondary education.
  •  Undifferentiated goods- and services-producing activities of private households for own use.

If your industry does not appear in the list above, then you may be eligible for the government-backed scheme. 

A small number of industries are eligible for the scheme, but under the British Business Bank scheme rules, may not be eligible for the full loan amount. If your industry appears in the list below, you may not qualify for the full interest and fee payment: 

  • Fishery, aquaculture and agriculture businesses.

A full list of eligible and excluded sectors can be found here

Section 3 – Additional British Business Bank Scheme Criteria

To be eligible for the scheme, you must be able to answer ‘yes’ to at least one of the following questions: 

(a) Is the loan for less than twice your annual wage bill for 2019 or the last available year? (If your business started after 1 January 2019, is it for less than the estimated wage bill for the first two years?)


(b) Is the loan for less than a quarter of your total turnover for 2019?


(c) Is the loan for less than you'd need to cover your regular expenses over the next 18 months (12 months if you employ more than 250 people)? 

Next steps:

If you meet the eligibility requirements

Download your enquiry form

Please download, complete and email your form to our mailbox listed below to start your enquiry.

Download formPDF

Returning your enquiry form

If you are an existing Lloyds Bank Business Banking customer, please email your enquiry form to Covid19businessloan@lloydsbanking.com.

Please include your contact details and a telephone number so we can call you back.

Due to unprecedented levels of demand, some customers are experiencing issues with returning the form to our mailbox. If you experience any issues, please try to email your completed form again later today. Please ONLY email the enquiry form, do not email any extra documents to support your request. If any extra information is needed, we will ask for this when we call you back.

Thank you for your patience.


To assess a new lending request we will potentially need supporting information. Please ensure you have the following available before submitting, so we can help you as quickly and efficiently as possible.

  • Financial Accounts – last 3 years (if sole trader or partnership – Tax returns SA302)
  • Personal income and expenditure document completed for all directors/shareholders of the business

Dependant on individual circumstances we may require further information however your experienced lending manager will be able to discuss this with you. 


All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

Disclaimer: This is a provisional assessment of eligibility only. This is not an offer of support or confirmation that you'll be eligible for support. An offer of support will be dependent upon a full credit assessment and further checks to confirm scheme eligibility. The Coronavirus Business Interruption Loan Scheme (CBILS) is managed by the British Business Bank on behalf of, and with the financial backing of the Secretary of State for Business, Energy and industrial Strategy (BEIS).

Full details on CBILS eligibility criteria and the list of participating CBILS lenders can be found on the British Business Bank website at: www.british-business-bank.co.uk/CBILS