The SME Finance Charter

We’re open for business and ready to lend

Whether you need a cash injection to buy new stock or equipment, or you're looking to fund an expansion, business lending can help your business grow and thrive.

Whether you’re an established business or just starting out, finding the right finance products to meet your needs can be difficult. In 2021 we supported 93,000 start ups, small businesses and charities, and expanded the funding available under our discounted green finance initiatives from £3 billion to £5 billion.

At Lloyds Bank, we want to make it simple for you to compare and choose our products, whatever your business circumstances. Visit our Borrowing Hub to compare the different financing solution.

We’ll help you build back better after Covid-19.

Throughout the pandemic, we've supported businesses, providing £13 billion of lending through Government-guaranteed Covid business loan schemes to more than 340,000 businesses.

From cash flow forecasting to mentoring and mental health information, our Coronavirus hub is designed to provide a collection of insights, guidance and other useful resources to help you manage the effects of the coronavirus pandemic on your business.

All businesses face challenges at one time or another. We’re here to help you take the steps needed to face those challenges and support you on the road to recovery.

We’ll support your application and signpost other options if needed.

The right type of funding can play a vital role in helping your business reach its potential. Whether it’s for growth or development, there are many reasons why your business may need finance. We could provide help when you most need it.

We’re committed to helping you choose the right banking product, and supporting you throughout the application process.

If we decline your lending application and you’re not satisfied with our reasons, you can appeal to us. We have a fair appeals process for all of our customers.

We’ll treat you fairly at all times, making sure you get a fair deal

In uncertain times, you need financial support and expert guidance to navigate the unique challenges you may face. Whatever the future brings we will continue to help your business grow, manage risks, become more sustainable and inclusive and recover from setbacks.

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

We'll work with the Government-owned British Business Bank to support SMEs

We've a long established relationship with British Business Bank and we'll continue to work with them to support businesses like yours through this period of uncertainty.

Further information on SME finance options can be found at

The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. For more information view Lloyds Banking Group.

Important Legal Information

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

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

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

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.