The challenges of running and growing a wholesale business can be complex. Our experienced Relationship Managers work closely with you to keep your goods moving and stay competitive. Backed by sector insights and tailored products, we can help you navigate international trade, strengthen resilience and invest for your growth ambitions.

How we can help you

Import and export

We can support with sourcing goods globally and accessing new international markets, helping you mitigate risks of market volatility.

Jump to international trade

Manage your cash flow

Stay in control of stock and supplier payments, respond to seasonal demand or free up cash in your business to support growth.

Jump to managing cash flow

Funding for growth and expansion

Lending solutions to help you fund new equipment or vehicles, invest in sustainable upgrades, or fund expansion.

Jump to funding for growth

Support every step of the way

Our experienced team focus on building long-term relationships, and draw from a wealth of sector and financial expertise to help deliver your business goals.

See how we can help

Make smarter business decisions with the latest insights

Stay on top of the economic landscape and changing consumer behaviours to inform your decisions.

Jump to insights

Import and export

We can support with sourcing goods globally and accessing new international markets, helping you mitigate risks of market volatility.

Jump to international trade

Manage your cash flow

Stay in control of stock and supplier payments, respond to seasonal demand or free up cash in your business to support growth.

Jump to managing cash flow

Funding for growth and expansion

Lending solutions to help you fund new equipment or vehicles, invest in sustainable upgrades, or fund expansion.

Jump to funding for growth

Support every step of the way

Our experienced team focus on building long-term relationships, and draw from a wealth of sector and financial expertise to help deliver your business goals.

See how we can help

Make smarter business decisions with the latest insights

Stay on top of the economic landscape and changing consumer behaviours to inform your decisions.

Jump to insights

Importing and exporting

Trading internationally can unlock new opportunities for growth, while effective management of stock, shipping and payment cycles helps keep cash flowing.

 

Trading internationally

Reduce risk and ease cash flow, so you can trade with confidence.

Explore international trade

Trading internationally

Reduce risk and ease cash flow, so you can trade with confidence.

Explore international trade

International trade portal

A powerful, easy to use gateway to explore international trade opportunities and detailed market information.

Register for free

FX risk management

Protect your business from foreign exchange rate changes, giving you more certainty over your future cash flow and planning.

Understand the risks

Discover FX

International trade opportunities in 2026

  • The potential of new trade agreements
  • Digital trade revolution
  • Risk management
Read the report

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.

Unlock the cash in your invoices

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

Invoice Finance

Free up cash from your working capital

Fill the gaps that your trade and payment cycles might create with our solutions.

Explore Corporate cards

Take card payments with confidence

Get flexible and secure options to take card payments in person, online or by phone.

Taking payments

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.

Fit out your warehouse or buy new wheels

Asset Finance is a way to fund what you need to keep your business running and help it grow.

Asset Finance

How asset finance can help you grow

Borrow to buy new premises or fund growth

Unlock capital to expand operations or open new locations.

Large business loans

View all lending options

Investing in sustainable solutions

Discounted lending options to support your sustainability strategy.

Sustainable finance products

Sustainability checklist (PDF, 6.8MB)

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.

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UK Sector Tracker

Exclusive UK sector level analysis of the monthly S&P Purchasing Managers' Indices (PMI) - including demand, supply, prices and trade.

Latest sector report
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Business Barometer

Gain vital insights from our monthly survey of 1,200 companies, helping you identify emerging economic trends for better forecasting and planning.

Monthly survey insights
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Latest trade insights

Action based business insights covering supply chain, emerging markets and international trade.

Discover the latest insights

Lloyds Bank Market Intelligence

Unlock actionable insights, track market trends and understand consumer behaviour to help inform your decision making.

Market intelligence

Our experienced team can help you navigate the options

Let's help you get to the right place

Let's help you get to the right place

Get in touch with a specialist who can help or explore our products and services.

Get started

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“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

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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:

Manufacturing

Retail

Agriculture

View all sectors

Manufacturing

Retail

Agriculture

View all sectors