Exporting goods can allow you to expand your sales and generate additional revenue, but can also present challenges. We can help you manage risks and ease cash flow through the trade cycle.

Customers with a turnover above £3m can request a call back

Trade Specialists are available to call regardless of turnover.

Call 0345 835 5722

8.30am to 5.30pm, Monday to Friday, except public holidays.

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Documentary Collections

  • Manage cash flow
  • Manage risk
  • A cost-effective way to reduce the risk of non-payment and help manage your cash flow.
  • Ensures you get paid for the goods sent.
  • Your customers can only take delivery of the goods once they have paid for them, or accepted a Bill of Exchange** to pay at a later date. 

Letters of Credit*

  • Manage cash flow
  • Manage risk
  • Gives you the confidence to release goods knowing that you will get paid.
  • Payment is guaranteed if the terms and conditions of the Letter of Credit are fully met.
  • Funding options available include discounting to receive payment early.

Bonds and Guarantees

  • Manage risk
  • Sometimes required to bid for exporting deals.
  • Gives customers confidence in your business.
  • Helps win new contracts.
  • May allow you to negotiate better trading terms.

Find out more about Bonds and Guarantees

Receivables Purchase

  • Manage cash flow
  • Manage risk
  • Unlock the money tied up in invoices that have not yet been paid.
  • We purchase selected receivables due to you from approved customers (debtors).
  • You benefit from early payment of these receivables.
  • When your customer pays you, you repay the funds advanced by Lloyds Bank.

Pre & Post Shipment Finance

  • Manage cash flow
  • Manage risk
  • A simple option to provide short-term funding to improve cash flow.
  • Get paid sooner for the sale of goods or services.
  • Retain control of goods until they are paid for, or a future payment is accepted.
  • We monitor whether the payment is made or accepted

UKEF – Working Capital

  • Manage cash flow 
  • Access to working capital to fulfil new contracts and help grow your export business.
  • Provides attractive financing to your customers.

UKEF Working Capital factsheet (PDF, 267KB)

UK Export Finance website

UKEF – General Export Facility (GEF)

GEF is a guarantee given by the government to the bank to help businesses export.

  • Supports your export business to free up working capital
  • Helps to fulfil multiple export contracts, ease cash flow constraints and to scale up your export business.

Trade Tracker

Check the status of your trade transaction requests. 

Check status

Get international market insight

Our International Trade Portal provides practical support to help you trade internationally with your chosen market.

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Lloyds Online Trade Services (LOTS)

At no extra cost, the Lloyds Online Trade Services (LOTS) platform provides a simplified and streamlined way for you to manage your trade needs online.


Register for LOTS

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Speak to a Trade Specialist

Customers with a turnover above £3m can request a call back.

Our Trade Specialists are available for all customers to call regardless of turnover.

Call 0345 835 5722

We’re available from 8.30am to 5.30pm, Monday to Friday, except public holidays.

Request a call backopens in a new window

Please note: the products and services described on this page may require a line of credit.

*All documentary Letters of Credit are issued under universally accepted rules set out in Uniform Customs and Practice for Documentary Credits (UCP) publication 600, issued by the International Chamber of Commerce

**A Bill of Exchange or ‘draft’ is a written order by the drawer (the person drawing the bill) to the drawee (the party on whom the bill is drawn – often a bank) to pay a specific amount to the payee (the beneficiary) at a specified time. If the drawee ‘accepts’ the bill he indicates his commitment to pay the bill. The bill of exchange fulfils multiple roles: as a payment instrument, as a means of granting credit to the drawer and by providing liquidity to the beneficiary if the accepted bill can be discounted.