Change your business address
If you're a full access user, you can update your business, registered, mailing and personal addresses within Online for Business and the Business banking app.
Keeping your wholesale business moving
How we can help you
Importing and exporting
Trading internationally can unlock new opportunities for growth, while effective management of stock, shipping and payment cycles helps keep cash flowing.
Managing cash flow
In wholesale, cash flow is critical when you’re managing large orders, stock and longer payment terms. We can help reduce payment risk and unlock funds tied up in invoices and other trading assets.
How Invoice Finance supported expansion
Cotswold Fayre is a purpose driven national wholesaler committed to doing business in a way that benefits people and the planet.
In this video, CEO Paul Hargreaves shares how Invoice Finance from Lloyds has supported their ongoing expansion and mission.
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Paul Hargreaves, CEO, Cotswold Fayre and Flourish:
So Cotswold Fayre was started in 1999, primarily to supply British chops farm shops, delis with British produce. Right from the beginning we weren't just creating a business to make money for ourselves and feed our families. We also wanted to make a positive difference in the world. The Ethos of the business, the DNA if you like, was to give people a chance in life, through employment, through being good employers and that's right in the origin of the company.
So Flourish launched in 2021, so that's 22 years after the launch of the wholesale business. It's enabled us to be an example to our retailers, to try and new stuff in store and it's helped us gain, probably credibility in the sector by not only being a wholesaler but also having now two retail stores as well.
Keith Breavington, Relationship Manager, Lloyds Business and Commercial Banking
Lloyds is the UK's largest digital bank and for our business customers that means we've got over a million of them. And we help these customers in a whole myriad of ways and these ranging from simple things like credit cards, to things like asset finance debt structures and the case of Cotswold fair, Invoice Finance was deemed to be the most appropriate product to help them grow their business.
Paul Hargreaves:
Lloyds, we've been working with for a very long time. I can't remember exactly how long but I think it's about 18 years. With the expansion of Flourish and actually also in the last year with really rapid growth in the wholesale business, we have needed a facility from Lloyds that enables us to fund the cash flow.
Keith Breavington:
There's no point sitting in front of a customer with a shopping list of item saying ‘what about this product, this product, this product’ if they don't need it. Instead we'll sit down with our client try and understand exactly how they work what they might need, and suggest the best possible services & solutions and sometimes that's just about making an introduction to other parts of our network where we can then further ingrain what Lloyd's is trying to do to support the growth of British business.
Charlotte, Home and Lifestyle Store Manager, Fourish:For me one of the main things that attracted me to this job was how socially conscious and eco-conscious we are. Everything from what products we purchase, how we put those to the customers, the waste that we've produced. It's really kind of in the soul of the business and I think that goes for Flourish and Cotswold Fayre as well.
David, Flourish Customer:The food is great. It's always buzzing in here. And not only the restaurant but we love the fresh selection of food here.
Charlotte:
Every day kind of getting to come in and do my job, and it's a job that I generally love and I've never said that before for anywhere I've worked. I look forward to coming in and also there's always kind of room to grow which I've benefited from already and I'm looking forward to having more of that in the future.
Paul Hargreaves:We've got big plans to do more retail sites, we are growing rapidly in the wholesale business, we’ve launched frozen over the last couple of years and having that backing by Lloyds has helped us do that and the knock on effect of that is that we are now making more of a difference in the world than we were before.
Keith Breavington:
I'm really keen to see them accelerate the growth even further, fulfil their growth ambitions whilst sticking to their sustainable ideals.
Funding to expand or grow your business
Our lending options are designed to support wholesale businesses as they grow - helping spread costs, unlock cash tied up in assets and invest confidently for the longer term.
Sustainability
Transitioning to low-carbon sustainable business models is crucial for wholesalers to remain efficient, resilient and enhance reputation with customers. Wherever you are on your journey, we can offer you support and guidance.
Stay ahead of economic and consumer changes
With market volatility and changing consumer behaviour, it's important to know the current landscape. We’ve got the latest insights you need to keep you ahead.
Our experienced team can help you navigate the options
“At Lloyds, we understand the pressures wholesale businesses face as they grow and expand at home and abroad. That’s why we offer a broad range of financial solutions, tailored to each customer’s needs – from supporting international trade and working capital, to accessing sustainable finance and managing the risks that come from running a business. By building long term relationships and bringing specialist expertise together, we help our customers strengthen resilience, seize opportunities, and support sustainable growth.”
Steven Kew, UK Head of Wholesale
Sector expertise
We know wholesalers are closely linked to the wider UK economy. Our long‑standing presence across many sectors means we understand the realities of operating in a fast‑moving, margin‑pressured environment, and what it takes to stay resilient and competitive. Explore our sectors: