• Accessibility statement [Accesskey '0']
  • Skip to Content [Accesskey 'S']
  • Skip to site Navigation [Accesskey 'N']
  • Go to Home page [Accesskey '1']
  • Go to Sitemap [Accesskey '2']
Lloyds Bank logo
  • Personal
  • Business
  • Private Banking
  • International Banking
Lloyds Bank logo
  • Help & Support
  • Register for internet banking
  • Log on

    Internet Banking

    Personal

    Business

    Register

    Keep me secure

  •
  • Products and services
    • Business accounts

      Products

      • View all business accounts
      • Accounts for start-up and small businesses
      • Switch to Lloyds Bank
      • Accounts for larger businesses
      • Community accounts
      • Client accounts
      • Accountancy software

      Existing customers

      • Manage your account
      • Manage account access
      • Useful forms
      • Business Overdraft
      • Get a Debit Card
      • Get a Cashpoint® Card

      Find out more

      • Starting a business
    • Savings

      Products

      • View all savings accounts
      • Instant Access Account
      • Fixed Term Deposit
      • Notice accounts
      • Client accounts

      Find out more

      • Existing customers
      • Savings Strategy Tool
      • Manage returns on your savings
      • Financial Services Compensation Scheme
    • Making payments

      Products

      • View all payment solutions
      • International payments
      • Bulk payments
      • Bacs Payments

      Existing customers

      • Faster payments
    • Take payments with Cardnet®

      Products

      • Explore all taking payment options
      • Card readers
      • Online payments
      • Over the phone payments
      • Omnichannel payment gateway

      Existing customers

      • Log on to your reporting tool
      • Cardnet help & support

      Find out more

      • Additional services
      • PCI DSS compliance
    • Accounting software

      Products

      • View our accounting software
      • Trial it free for 3 months

      Existing customers

      • Log on to Business Finance Assistant
      • Get more from Business Finance Assistant
    • Credit and Charge Cards

      Products

      • Credit Card
      • Charge Card
      • Card solutions (£3m+ turnover)
      • View all borrowing options

      Existing customers

      • Debit Card
      • Cashpoint® Card
      • Lost or stolen cards

      Find out more

      • Accepting card payments – Cardnet®
      • Clicksafe®
    • Business Loans

      Products

      • View all Business Loans
      • Small Business Loans up to £25,000
      • Larger Business Loans above £25,000
      • Commercial Mortgages
      • Government-backed lending schemes
      • View all borrowing options

      Find out more

      • Managing interest rate risk
      • Financial application checklist
      • Lending support and standards
      • Lending appeals
    • Asset Finance

      Products

      • View all asset finance products
      • Business Car Finance
      • Business Van Finance
      • Business Vehicle Finance
      • Business Equipment Finance
      • Business Hire Purchase
      • Green Asset Finance
      • Vehicle Contract Hire
      • View all borrowing options

      Find out more

      • Apply or enquire about Asset Finance
    • Overdrafts

      Products

      • Business Overdraft
      • View all borrowing options

      Find out more

      • Financial application checklist
      • Lending support and standards
      • Lending appeals
    • Invoice Finance

      Products

      • View all invoice finance products
      • Selective Invoice Finance
      • Invoice Factoring
      • Invoice Discounting
      • View all borrowing options

      Existing customers

      • Existing customer login
      • Debtor Protection
      • Asset Based Lending
    • International trade

      Products

      • View all international trade products
      • Import and export products
      • International payments
      • Foreign exchange
      • Currency accounts

      Find out more

      • International Trade Portal
      • Manage international trade risk
      • Trading overseas guides
      • International rates and charges
    • Insurance

      Products

      • View all business insurance products
      • Public Liability Insurance
      • Landlord Insurance
      • Professional Indemnity Insurance
      • Shop Insurance

      Existing customers

      • Contact us

      Find out more

      • Help me choose
      • Business Insurance guides
      • Retrieve an insurance quote
  • Corporate solutions
    • Sustainability

      Financing a sustainable future

      • View all sustainable business solutions
      • Clean growth financing
      • Energy-efficiency tool
      • Lex Autolease® electric vehicles

      Find out more

      • Sustainable business insights
      • Sustainability Voices: Valuable Insights & Expert Opinion
    • Working capital

      Managing operating finance

      • View all working capital solutions
      • Release funds against assets
      • Trade and working capital solutions
      • Supplier finance
      • Overdrafts
      • Corporate card solutions
    • Financing

      Funding growth

      • View all financing solutions
      • Lending
      • Clean Growth Financing Initiative
      • Capital Markets
      • Corporate Asset Finance
      • Fleet Finance – Lex Autolease®
      • Private Equity

      Specialist finance teams

      • Our specialist finance teams
    • Liquidity & accounts

      Cash deposits & liquidity management

      • View all liquidity solutions
      • Fixed Term Deposit
      • Corporate Instant Access Account
      • Notice Accounts
      • Pooling and Sweeping
      • Monthly Bonus Account
    • Payments

      Payments

      • View all payment solutions
      • Domestic Payments
      • International payments
      • Online Services & API Solutions
      • Payment Services for Financial Institutions
    • Risk management

      Managing business risk

      • View all risk management solutions
      • Managing the cost of borrowing
      • Managing currency fluctuations
      • Managing price moves
      • Trade risk
      • Debtor Protection
      • Financial risk advisory
      • Corporate cards
    • Corporate cards

      Secondary Navigation 'Corporate cards' links to /content/lloyds/en-gb/personal/business/corporate-banking/working-capital/corporate-cards

    • International trade

      Solutions

      • View all trade solutions
      • Importing and exporting
      • International cash management
      • Capital import finance
      • Trading in China

      Find out more

      • International Trade Portal
      • Risk management
    • Online services

      Online services

      • View all online services
      • Commercial Banking Online
      • Arena
      • Lloyds Online Trade Services (LOTS)
      • Online for Business

      Other online services

      • Commercial Cards Data Management (CCDM) – Visa
      • Commercial Cards Data Management (CCDM) - Mastercard
    • Contact us

      Secondary Navigation 'Contact us' links to /content/lloyds/en-gb/personal/business/corporate-banking/contact-us.html

  • Industry expertise
    • Sector expertise

      Sector teams

      • Agriculture
      • Education
      • Healthcare
      • Manufacturing
      • Real Estate & Housing
      • Solicitors
      • Technology
    • Regional expertise

      Secondary Navigation 'Regional expertise' links to /content/lloyds/en-gb/personal/business/corporate-banking/in-your-region.html

    • Corporate sectors (100m+ turnover)

      Specialist sector teams

      • Consumer & Technology
      • Infrastructure, Energy & Industrials
      • Real Estate & Housing
      • Services & Public sector
      • Sponsors, Debt & Structured Finance
      • Sustainability & ESG Financing
    • Contact us

      Secondary Navigation 'Contact us' links to /content/lloyds/en-gb/personal/business/corporate-banking/contact-us.html

    • Financial Services

      Secondary Navigation 'Financial Services' links to /content/lloyds/en-gb/personal/business/corporate-banking/specialist-teams/financial-services.html

    • Commercial Finance Brokers

      Secondary Navigation 'Commercial Finance Brokers' links to /content/lloyds/en-gb/personal/business/industry-focus/commercial-finance-brokers.html

    • Franchising

      Secondary Navigation 'Franchising' links to /content/lloyds/en-gb/personal/business/industry-expertise/franchising

  • Resource Centre
    • Managing business costs and uncertainty
      • Managing business costs and uncertainty
      • Inflation, costs and cash flow
      • Financial worries support
      • Build mental resilience
      • Business change
    • Build mental resilience

      Secondary Navigation 'Build mental resilience' links to /content/lloyds/en-gb/personal/business/managing-business-costs/build-mental-resilience.html

    • Sustainability
      • Visit our sustainability hub
      • From Now to Net Zero: A Practical guide for SMEs
      • Sustainability Voices: Valuable Insights & Expert Opinion
      • View all our sustainability related insights
    • Supporting Black-owned businesses

      Secondary Navigation 'Supporting Black-owned businesses' links to /content/lloyds/en-gb/personal/business/resource-centre/business-guides/supporting-black-owned-businesses

    • Business insights

      Secondary Navigation 'Business insights' links to /content/lloyds/en-gb/personal/business/resource-centre/insight

    • Economic and market insights

      Economic and market insights

      • The Wire – weekly look-ahead
      • Business Barometer – monthly temperature gauge
      • UK Sector Tracker
      • View all economic insights

      Subscribe

      • Subscribe to our regular economic insight reports
    • Business guides

      Secondary Navigation 'Business guides' links to /content/lloyds/en-gb/personal/business/resource-centre/business-guides

    • Case studies

      Featured case studies

      • Hillbrush
      • Rebellion Beer
      • Teamworks Karting
      • Island Delight
      • View all case studies
    • UK Business and charity digital index

      Secondary Navigation 'UK Business and charity digital index' links to /content/lloyds/en-gb/personal/business/resource-centre/businessdigitalindex.html

  • Banking online
    • Online for Business

      Online for Business

      • How to register
      • Mobile banking
      • What you can do online
      • Online payment control
      • Extra security checks when you bank and shop online

      Help and guidance

      • How to logon
      • Step by step guides
      • Manage access to Online for Business
      • Deposit cheques
      • All help & support
    • Commercial Banking Online

      Secondary Navigation 'Commercial Banking Online' links to /content/lloyds/en-gb/personal/business/corporate-banking/online-services/commercial-banking-online?WT.ac=lloyds-all-banking_online-nav-tier2-page-commercial_banking_online

    • Accounting software

      Secondary Navigation 'Accounting software' links to /content/lloyds/en-gb/personal/business/accounting-software

    • Invoice Finance Online

      Secondary Navigation 'Invoice Finance Online' links to /content/lloyds/en-gb/personal/business/invoice-finance-asset-lending/invoice-finance/ifo?WT.ac=Lloyds-nav-banking_online-button_text-invoice_finance_online

    • Cardnet® reporting tools

      Accessing your reporting tool

      • Log on to Business Track & ClientLine
      • Log on to RAM
      • Log on to Merchant Portal
    • Banking online services

      Secondary Navigation 'Banking online services' links to /content/lloyds/en-gb/personal/business/banking-online?WT.ac=Lloyds-nav-banking_online-button_text-banking_online_services

  • Products and services click to go to sub menu of Products and services
  • Corporate solutions click to go to sub menu of Corporate solutions
  • Industry expertise click to go to sub menu of Industry expertise
  • Resource Centre click to go to sub menu of Resource Centre
  • Banking online click to go to sub menu of Banking online

  • Back
  • Business accounts Business accounts collapsed

    Products

    • View all business accounts
    • Accounts for start-up and small businesses
    • Switch to Lloyds Bank
    • Accounts for larger businesses
    • Community accounts
    • Client accounts
    • Accountancy software

    Existing customers

    • Manage your account
    • Manage account access
    • Useful forms
    • Business Overdraft
    • Get a Debit Card
    • Get a Cashpoint® Card

    Find out more

    • Starting a business
  • Savings Savings collapsed

    Products

    • View all savings accounts
    • Instant Access Account
    • Fixed Term Deposit
    • Notice accounts
    • Client accounts

    Find out more

    • Existing customers
    • Savings Strategy Tool
    • Manage returns on your savings
    • Financial Services Compensation Scheme
  • Making payments Making payments collapsed

    Products

    • View all payment solutions
    • International payments
    • Bulk payments
    • Bacs Payments

    Existing customers

    • Faster payments
  • Take payments with Cardnet® Take payments with Cardnet® collapsed

    Products

    • Explore all taking payment options
    • Card readers
    • Online payments
    • Over the phone payments
    • Omnichannel payment gateway

    Existing customers

    • Log on to your reporting tool
    • Cardnet help & support

    Find out more

    • Additional services
    • PCI DSS compliance
  • Accounting software Accounting software collapsed

    Products

    • View our accounting software
    • Trial it free for 3 months

    Existing customers

    • Log on to Business Finance Assistant
    • Get more from Business Finance Assistant
  • Credit and Charge Cards Credit and Charge Cards collapsed

    Products

    • Credit Card
    • Charge Card
    • Card solutions (£3m+ turnover)
    • View all borrowing options

    Existing customers

    • Debit Card
    • Cashpoint® Card
    • Lost or stolen cards

    Find out more

    • Accepting card payments – Cardnet®
    • Clicksafe®
  • Business Loans Business Loans collapsed

    Products

    • View all Business Loans
    • Small Business Loans up to £25,000
    • Larger Business Loans above £25,000
    • Commercial Mortgages
    • Government-backed lending schemes
    • View all borrowing options

    Find out more

    • Managing interest rate risk
    • Financial application checklist
    • Lending support and standards
    • Lending appeals
  • Asset Finance Asset Finance collapsed

    Products

    • View all asset finance products
    • Business Car Finance
    • Business Van Finance
    • Business Vehicle Finance
    • Business Equipment Finance
    • Business Hire Purchase
    • Green Asset Finance
    • Vehicle Contract Hire
    • View all borrowing options

    Find out more

    • Apply or enquire about Asset Finance
  • Overdrafts Overdrafts collapsed

    Products

    • Business Overdraft
    • View all borrowing options

    Find out more

    • Financial application checklist
    • Lending support and standards
    • Lending appeals
  • Invoice Finance Invoice Finance collapsed

    Products

    • View all invoice finance products
    • Selective Invoice Finance
    • Invoice Factoring
    • Invoice Discounting
    • View all borrowing options

    Existing customers

    • Existing customer login
    • Debtor Protection
    • Asset Based Lending
  • International trade International trade collapsed

    Products

    • View all international trade products
    • Import and export products
    • International payments
    • Foreign exchange
    • Currency accounts

    Find out more

    • International Trade Portal
    • Manage international trade risk
    • Trading overseas guides
    • International rates and charges
  • Insurance Insurance collapsed

    Products

    • View all business insurance products
    • Public Liability Insurance
    • Landlord Insurance
    • Professional Indemnity Insurance
    • Shop Insurance

    Existing customers

    • Contact us

    Find out more

    • Help me choose
    • Business Insurance guides
    • Retrieve an insurance quote
  • Sustainability Sustainability collapsed

    Financing a sustainable future

    • View all sustainable business solutions
    • Clean growth financing
    • Energy-efficiency tool
    • Lex Autolease® electric vehicles

    Find out more

    • Sustainable business insights
    • Sustainability Voices: Valuable Insights & Expert Opinion
  • Working capital Working capital collapsed

    Managing operating finance

    • View all working capital solutions
    • Release funds against assets
    • Trade and working capital solutions
    • Supplier finance
    • Overdrafts
    • Corporate card solutions
  • Financing Financing collapsed

    Funding growth

    • View all financing solutions
    • Lending
    • Clean Growth Financing Initiative
    • Capital Markets
    • Corporate Asset Finance
    • Fleet Finance – Lex Autolease®
    • Private Equity

    Specialist finance teams

    • Our specialist finance teams
  • Liquidity & accounts Liquidity & accounts collapsed

    Cash deposits & liquidity management

    • View all liquidity solutions
    • Fixed Term Deposit
    • Corporate Instant Access Account
    • Notice Accounts
    • Pooling and Sweeping
    • Monthly Bonus Account
  • Payments Payments collapsed

    Payments

    • View all payment solutions
    • Domestic Payments
    • International payments
    • Online Services & API Solutions
    • Payment Services for Financial Institutions
  • Risk management Risk management collapsed

    Managing business risk

    • View all risk management solutions
    • Managing the cost of borrowing
    • Managing currency fluctuations
    • Managing price moves
    • Trade risk
    • Debtor Protection
    • Financial risk advisory
    • Corporate cards
  • Corporate cards
  • International trade International trade collapsed

    Solutions

    • View all trade solutions
    • Importing and exporting
    • International cash management
    • Capital import finance
    • Trading in China

    Find out more

    • International Trade Portal
    • Risk management
  • Online services Online services collapsed

    Online services

    • View all online services
    • Commercial Banking Online
    • Arena
    • Lloyds Online Trade Services (LOTS)
    • Online for Business

    Other online services

    • Commercial Cards Data Management (CCDM) – Visa
    • Commercial Cards Data Management (CCDM) - Mastercard
  • Contact us
  • Sector expertise Sector expertise collapsed

    Sector teams

    • Agriculture
    • Education
    • Healthcare
    • Manufacturing
    • Real Estate & Housing
    • Solicitors
    • Technology
  • Regional expertise
  • Corporate sectors (100m+ turnover) Corporate sectors (100m+ turnover) collapsed

    Specialist sector teams

    • Consumer & Technology
    • Infrastructure, Energy & Industrials
    • Real Estate & Housing
    • Services & Public sector
    • Sponsors, Debt & Structured Finance
    • Sustainability & ESG Financing
  • Contact us
  • Financial Services
  • Commercial Finance Brokers
  • Franchising
  • Managing business costs and uncertainty Managing business costs and uncertainty collapsed
    • Managing business costs and uncertainty
    • Inflation, costs and cash flow
    • Financial worries support
    • Build mental resilience
    • Business change
  • Build mental resilience
  • Sustainability Sustainability collapsed
    • Visit our sustainability hub
    • From Now to Net Zero: A Practical guide for SMEs
    • Sustainability Voices: Valuable Insights & Expert Opinion
    • View all our sustainability related insights
  • Supporting Black-owned businesses
  • Business insights
  • Economic and market insights Economic and market insights collapsed

    Economic and market insights

    • The Wire – weekly look-ahead
    • Business Barometer – monthly temperature gauge
    • UK Sector Tracker
    • View all economic insights

    Subscribe

    • Subscribe to our regular economic insight reports
  • Business guides
  • Case studies Case studies collapsed

    Featured case studies

    • Hillbrush
    • Rebellion Beer
    • Teamworks Karting
    • Island Delight
    • View all case studies
  • UK Business and charity digital index
  • Online for Business Online for Business collapsed

    Online for Business

    • How to register
    • Mobile banking
    • What you can do online
    • Online payment control
    • Extra security checks when you bank and shop online

    Help and guidance

    • How to logon
    • Step by step guides
    • Manage access to Online for Business
    • Deposit cheques
    • All help & support
  • Commercial Banking Online
  • Accounting software
  • Invoice Finance Online
  • Cardnet® reporting tools Cardnet® reporting tools collapsed

    Accessing your reporting tool

    • Log on to Business Track & ClientLine
    • Log on to RAM
    • Log on to Merchant Portal
  • Banking online services
  • Home
  • ...
    • Resource Centre
    • Case Studies
    • Biofresh Group Ltd

    Biofresh Group Ltd

    Biofresh Group Ltd, which is headquartered in Stocksfield, Northumberland and has production facilities in Gateshead and Huddersfield, has seen orders for the equipment rise more than ten-fold since the beginning of March as public health organisations and businesses across the UK and Europe tackle the pandemic. 

    Share:  Share via LinkedIn  Share via twitter  Share via facebook  Share via email

    Share

     Share via LinkedIn  Share via Twitter  Share via Facebook  Share via email

    Read time: 3 mins      Added: 22/06/2021

    The products, designed to disinfect a range of internal settings from care homes, hospitals and ambulances to hotels, schools and public transport, emit a high concentration of ozone gas that decomposes to ordinary oxygen on release – a reaction which completely decontaminates the air and all surfaces.

    The company was founded in 2003 to commercialise discoveries made by academics at Newcastle University’s School of Biology and employs 20 people.

    Biofresh Group says the Covid-19 pandemic turned the firm on its head. Sales of products designed to keep food produce fresh, which previously constituted 90 per cent of the business, fell sharply and orders of its sanitisation systems rocketed.

    The business sought the help of Lloyds Bank to secure a £160k Coronavirus Business Interruption Loan Scheme (CBILS) loan so it could shift its manufacturing model and acquire the raw materials to quickly ramp-up production of its Cubo3 sanitisation product, as cashflow dried up.

    Jonathan Caisley, founder and managing director, Biofresh Group Ltd, said: “Our company changed completely, almost overnight. Our new customers from the UK and across Europe needed sanitisation systems quickly and there was simply no time for a period of readjustment. We had to respond immediately to be able to build the products and protect the future of our business.

    “The problem we faced was this meant making fundamental changes to how we operate, from essentially building low volume, high value machines, to large numbers of lower cost products, much quicker. The Lloyds Bank team understood that a delay of a couple of weeks would have had a fatal impact for the business and were fantastic in working to get the funding through in a matter of days.”

    Chris Middleton, relationship manager at Lloyds Bank, said: “When Jonathan and his team got in touch with us, we knew time was of the essence. Not only did the business need to buy-in the materials to guarantee supply to its customers, it had to be in a position to pay its suppliers quickly.

    “These innovations will go a long way to helping organisations in the UK and across the continent keep people safe and we look forward to continue supporting the business as it makes a meaningful difference.”

     

    Supporting UK Technology

    Our Relationship Managers will work with you to create a banking package tailored to the specific needs of your business.

    • Specialist Banking for the Technology Sector

    Payment API Solutions

    Accept payments, send payments and manage your business in a cost effective and efficient manner using our APIs.

    • Talk to one of our payment specialists

    Business Loans

    Whether you’re looking to expand, invest in new equipment, or borrow to manage your cash flow - our Business Loans can help you thrive.

    • See how we can support you

    Important legal information

    Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc, Lloyds Bank Corporate Markets plc and Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH.

    Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

    Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is a wholly-owned subsidiary of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH has its registered office at Thurn-und-Taxis Platz 6, 60313 Frankfurt, Germany. The company is registered with the Amtsgericht Frankfurt am Main, HRB 111650. Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht.

    Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

    While all reasonable care has been taken to ensure that the information provided is correct, no liability is accepted by Lloyds Bank for any loss or damage caused to any person relying on any statement or omission. This is for information only and should not be relied upon as offering advice for any set of circumstances. Specific advice should always be sought in each instance.

    • Print
      • Share on Twitter. Link opens in a new tab.
      • Share on Facebook. Link opens in a new tab.
      • Share on LinkedIn. Link opens in a new tab.

    Existing customers

    • Help and support
    • Contact us

    Banking with us

    • Find a branch
    • Terms and conditions
    • Legal and regulatory

    About Lloyds Bank

    • Lloyds Banking Group
    • Communities
    • Careers
    • Press releases
    Find out how we work with the FSCS to protect your deposits.
    Security Legal Privacy Cookies Accessibility Sitemap Modern Slavery Statement (PDF, 4.6MB)Opens in a new window
    Visit the Lloyds Bank Twitter page (opens in new tab)
    Visit Lloyds Bank Facebook page (opens in new tab)
    Visit Lloyds Bank Instagram page (opens in new tab)
    Visit Lloyds Bank Linkedin page (opens in new tab)
    Visit the Lloyds Bank YouTube channel (opens in new tab)