Supply chain finance

Unlock working capital, strengthen your supplier relationships and drive sustainable growth.

We combine industry expertise with a market-leading digital platform, to offer tailored programmes that focus on unlocking working capital. Whether you're navigating complex global supply chains or seeking to align procurement and treasury goals, our solutions are built to deliver measurable impact efficiently, securely and at scale.

Tailored programmes to unlock working capital

Accelerated payment

Suppliers can get early payment on approved invoices, helping improve cash flow.

Leverages credit ratings

Suppliers could benefit from a buyer’s stronger credit profile, potentially lowering costs.

Flexible settlement

Unlock working capital with flexible finance that adapts to your cash flow.

Stabilises supply chains

Make sure suppliers are paid promptly, supporting long-term relationships.

Strengthen supplier relationships

Our solutions align the objectives of treasury, procurement and sales for buyers and suppliers.

 

If you’re buying

  • Working capital optimisation – preserve cash, maintain working capital levels and potentially improve days payable outstanding.
  • Strengthen supplier relationships – access low-cost funding and earlier payment.
  • Reduce risk – reduce risk to the buyer by offering liquidity to suppliers.
  • P&L enhancement – reduce the admin costs associated with managing supplier enquiries and payment processing.
 

If you’re selling

  • Working capital optimisation – request payment for invoices ahead of the payment date, which can improve cashflow and working capital.
  • Competitive cost of funding – pricing is based on the creditworthiness of the buyer, so suppliers may benefit from a lower cost of funding without using bank limits.
  • Reduce risk – early payment is made on a non-recourse basis, so the risk of non-payment is transferred from the supplier to the bank.
  • Gain operational efficiencies – get better visibility of payments and improve your cash forecasting.

If you're buying

  • Working capital optimisation – preserve cash, maintain working capital levels and potentially improve days payable outstanding.
  • Strengthen supplier relationships – access low-cost funding and earlier payment.
  • Reduce risk – reduce risk to the buyer by offering liquidity to suppliers.
  • P&L enhancement – reduce the admin costs associated with managing supplier enquiries and payment processing.

If you’re selling

  • Working capital optimisation – request payment for invoices ahead of the payment date, which can improve cashflow and working capital.
  • Competitive cost of funding – pricing is based on the creditworthiness of the buyer, so suppliers may benefit from a lower cost of funding without using bank limits.
  • Reduce risk – early payment is made on a non-recourse basis, so the risk of non-payment is transferred from the supplier to the bank.
  • Gain operational efficiencies – get better visibility of payments and improve your cash forecasting.

Sustainable growth with Sustainable Supply Chain Finance

Through partnerships with third-party ESG rating providers, the Lloyds Bank Sustainable Supply Chain Finance (SSCF) programme rewards suppliers who demonstrate continuous improvement in sustainability with preferential financing terms.

Benefits for the buyer

Buyers get better supply chain resilience and alignment with corporate sustainability goals.

Benefits for the supplier

Suppliers gain earlier access to working capital and incentives to elevate their environmental and social standards.

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Let's help you get to the right place

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Flexible finance to support the short and long term

Receivables purchase

A targeted approach with individual receivables sold to a bank at a discount, offering financing and balance sheet flexibility.

Why it’s time for receivables finance

Fund new machines or equipment

Asset based lending could leverage your balance sheet, without sacrificing equity.

How Asset Finance can help you grow

Unlock the cash in your invoices

Boost your cash flow with Invoice Finance and get early access to money owed to you.

Nine ways to manage your cash flow

Frequently asked questions

All lending is subject to a satisfactory credit assessment. Eligibility criteria apply.