Support through financial difficulty

Lloyds Bank is committed to helping customers find a way forward if they are experiencing financial difficulty.

We want your business to be successful. However, there may be times throughout your business lifecycle when you need extra support. Our approach is to work with you and your business to ensure long term success.

We encourage you to contact us as soon as possible if there’s a problem and we’ll deal with any financial difficulty empathetically and positively.

We would normally regard a customer to be in financial difficulty when a business cannot meet or has difficulty paying off its financial obligations. This may occur due to a number of factors such as a decrease in turnover, or debtors not making timely payments making it difficult to pay creditors and other financial commitments.

We understand our customers may face a range of different problems but most of these will impact on revenue and short-term cash flow requirements. Confronting these obstacles at the first sign of difficulty can help to prevent them from becoming a major issue for your business.

  • We will do all that we can to help you overcome any difficulties and will work with you in reviewing your financial situation.

    We will:

    • Discuss any difficulties you are experiencing in meeting any financial obligations.
    • Work with you to assess your repayment capability taking into account what you owe other creditors and viewing your priority payments.
    • Develop a plan with you to help you move out of financial difficulty.

    If you wish to speak to someone, please call our business management team on 0345 072 5555 who are available from 8am to 8pm Monday to Friday and 9am to 2pm on Saturday (closed on all UK public holidays), or contact your named Relationship Manager.

  • Business Debtline

    The Business Debtline provides free, confidential and independent advice on how to deal with debt problems. The website has a number of self help factsheets and cash flow spreadsheets.

    Federation of Small Businesses (FSB)

    The FSB is non-profit making organisation promoting and protecting the interests of the self-employed and owners of small firms by offering access to services which help you protect your business, can save you money and those that can help you look to grow your business.

    Money Advice Service

    The Money Advice Service has been set up by the government to provide free and impartial money advice in person, over the phone and online. They offer guides to help improve your finances along with tools and calculators to help you keep track and plan ahead.

    UK Finance

    UK Finance is the leading trade association for the UK banking sector with their core priorities in helping customers both consumers and business, promoting growth and raising standards. Providing information on the current economy and providing a variety of training workshops and events.

    Business Emergency Resilience Group 10 Minute Plan

    To help businesses prepare for, respond to and recover from emergencies, Business in the Community, the charity of which Lloyds Banking Group is a member, has produced a 10 minute plan. As seen with the recent floods in Cumbria, the increasing prevalence of cybercrime and the terrorist attacks in Paris, business can be significantly disrupted. This plan provides a framework on how to manage these emergencies.

    Citizens Advice Bureau (CAB)

    The CAB provides free, confidential, impartial information and advice on a wide range of debt and benefits issues, face to face. Check your local phone book or Yellow Pages for the nearest Citizens Advice Bureau, or visit the Citizens Advice website for your area.

    Lending Standards Board

    The role of the Lending Standards Board is to monitor and enforce the Standards of Lending Practice and to ensure subscribers and their agents provide a fair deal to their personal and business borrowing customers.

    National Enterprise Network

    National Enterprise Network provides help and support for new, small and growing businesses in England, with a particular emphasis on start-ups and micro businesses.

    The Insolvency Service

    The Insolvency Service is the government online resource to provide guidance on personal and company insolvency.

    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.

Improving Cash Flow

Steps that can be taken to provide short term relief during times of cash pressure.

Read moreabout improving Cash flow

Early Warning Signs

Early warning signs that your business may be experiencing financial difficulty and appropriate actions to take.

Read more

Directors’ Responsibilities

A broad overview of Directors' roles and responsibilities where a company is in financial difficulty.

Read moreabout Directors' responsibilities


A general guide on the corporate and personal insolvency processes in Scotland, England and Wales.

Read moreabout insolvency

Contact us

Please contact your named Relationship Manager or call our business management team. We are available from 8am to 8pm Monday to Friday and 9am to 2pm on Saturday.

0345 072 5555

Budgeting Calculator

Use our handy Budgeting Tool to help you understand your personal income and spending as well as assist you in managing your finances.*

More about budgeting

Lending Standards and Support

Information on the lending codes and principles that we follow which ensure you're treated fairly.

More about Lending Standards and Support

*This budgeting tool is provided free to help you manage your personal finances and does not provide legal, tax or financial advice. We cannot guarantee the accuracy of any information generated by the tool and shall not be responsible or liable for your use of the tool or any information generated by it.

Please note that any data sent via email is not secure and could be read by others.

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.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB:

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.