These services are designed for businesses operating or registered in the Channel Islands or the Isle of Man and are provided by Lloyds Bank Corporate Markets, a wholly owned subsidiary of Lloyds Banking Group plc.

Find information on services for businesses registered in the United Kingdom. 

Explore lending solutions

Overdrafts

 

Commercial overdrafts

Flexible borrowing facilities designed to help businesses manage day-to-day operations and working capital requirements.

Access additional funds through your business account to manage short-term costs and fluctuations.

Discuss overdrafts

Term lending

Longer-term borrowing solutions designed to support expansion, acquisitions and capital investment.

Fixed rate loans

Borrow funds at a fixed interest rate for a set period, providing certainty over repayments.

Discuss fixed rate loans

Variable rate loans

Funding linked to variable market rates, suitable for a range of borrowing requirements.​‌

Discuss variable rate loans

Specialist lending

Specialist finance

Our specialist lending teams can discuss more complex borrowing requirements and help identify what may be achievable based on your organisation’s objectives.

This could include partner capital loans for professional practices, funding for mergers and acquisitions, sustainable finance, or support for infrastructure projects.

Discuss specialist finance

Trade finance

Our trade finance solutions can help your business manage risk and trade with greater confidence, domestically or internationally.

Letters of credit can reduce payment risk between buyers and sellers, while bank guarantees can provide additional security when entering commercial agreements.

Discuss trade finance

Discuss your lending requirements

Whatever your borrowing needs, our Islands lending specialists can discuss your options and help you through the next steps.

Smaller businesses

For businesses with a turnover of under £3 million, contact our business banking team.

Contact business banking

Larger businesses

For businesses with a turnover of over £3 million contact our relationship managers.

Contact a relationship manager

Why organisations choose Lloyds

Our Islands-based lending specialists support businesses across the Crown Dependencies with a range of funding needs.

Local lending expertise

Draw on the experience of Islands-based specialists who understand a range of businesses and sectors.

Flexible funding solutions

Explore borrowing options for everything from managing cash flow to investing for growth.

Banking support

Work with a lending specialist who will take the time to understand your circumstances and discuss suitable options.

Commercial lending FAQs

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business. 

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action. 

All lending is subject to status. Security may be required.

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Current accounts

Whether you’re managing day-to-day business banking or holding client funds, explore accounts designed to support the way you operate.

Explore current accounts

Lloyds Bank Gem®

Manage cash, payments and liquidity through our transaction banking platform.​‌

Discover Lloyds Bank Gem®

Savings accounts

Manage surplus balances with a range of accounts offering instant access, notice and fixed-term savings.

Explore savings accounts

Islands business and corporate banking

Supporting businesses across the Channel Islands and Isle of Man with banking, lending and savings solutions.

Explore your options

Woman stood at shop window.

Islands business and corporate banking

Supporting businesses across the Channel Islands and Isle of Man with banking, lending and savings solutions.

Explore your options