Get a quote for Invoice Finance

You must have a projected turnover of more than £50,000 per annum and trade business-to-business and on credit terms

Get a quoteGet a quote for Invoice Finance

Our Business Charter

With around 8,000 clients, Lloyds Bank Invoice Finance is demonstrating our commitment to Helping Britain Prosper by supporting start-ups to multinationals with their working capital needs.

Our goal is to be the best in the industry. We believe in our products and services, and so do our staff, who aim to provide a first rate client service at all times.

When you become a client

Our service pledge

If, at the end of the initial six months, you are dissatisfied with our service and wish to terminate your relationship with us, you may reclaim a refund of the service fee you have paid during that period. All we ask of you is the opportunity to resolve any concerns that may occur during this time. The service pledge is only applicable to Invoice Factoring and Invoice Discounting facilities.

Our termination pledge

During the first six months following the commencement of your agreement you may terminate your facility without incurring a termination fee by giving us 28 days notice, unless we agree and document a different fixed termination period with you at the outset of the agreement. After the initial six month period our normal contractual termination conditions will apply. In the event of termination all outstanding balances must be cleared by the termination date. The termination pledge is only applicable to Invoice Factoring and Invoice Discounting facilities.

  • Client Charter terms and conditions

    This Charter sets out the principles of our working arrangements with you. The notes below detail the arrangements that support these pledges.

    The Charter covers all client Factoring and Invoice Discounting facilities that are linked to business invoices. It does not extend to facilities linked to stock, plant & machinery, and property, or for cash flow loans.

    Service Pledge

    Should the service of Lloyds Bank Commercial Finance, as outlined in our agreement, not meet your expectations you may claim a refund of the Service Fee that you have paid in the first six months of our relationship. The following conditions apply to this pledge:

    • During the first 6 months of your Agreement, Lloyds Bank Commercial Finance will take all appropriate steps to rectify any complaints submitted in writing to your Client Manager.
    • If our remedial actions do not rectify the situation, Lloyds Bank Commercial Finance will refund in full the service fee already paid by you during the first 6 month period.
    • Any refund will be paid at the end of the first 6 months period. Lloyds Bank Commercial Finance will not refund any service fee if you have broken any of the Operating Conditions in your Agreement.
    • Our service pledge is only applicable to Invoice Factoring and Invoice Discounting facilities.
    • If the conditions of this pledge are different from those in your Agreement the conditions in this Charter shall apply.

    Termination Pledge

    During the first six months following the commencement of your agreement you may terminate your facility without incurring a termination fee by giving us 28 days notice, unless we agree and document a different fixed termination period with you at the outset of the agreement. After the initial six month period has passed our normal contractual termination conditions will apply. In the event of termination all outstanding balances must be cleared by the termination date.

    The following conditions apply to the termination pledge:

    • The pledge covers all situations where you choose to switch to another factor/ discounter, to your bank, or to your own cash management arrangements.
    • Should your business cease to trade or enter into any insolvency then our normal contractual termination arrangements will apply.
    • Our termination pledge is only applicable to Invoice Factoring and Invoice Discounting facilities.

Talk to one of our Invoice Finance specialists

Call 0800 169 4356

We’re available from 9am to 5pm, Monday to Friday, except public holidays.

Request a call backfrom one of our invoice finance specialists.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

Factoring and Invoice Discounting facilities may be provided by either Lloyds Bank Commercial Finance, Lloyds Bank plc or Bank of Scotland plc.

Lloyds Bank Commercial Finance Limited, Registered in England & Wales no. 733011. Registered Office: No1 Brookhill Way, Banbury, Oxfordshire, OX16 3EL.

When using Asset Finance your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply. The provision of credit or leasing services by us is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing services that you can comfortably afford.