Loans & Finance
Lloyds Bank Funding for Lending
Up to 1% interest rate reduction on business loans, commercial mortgages and hire purchase
Reducing the borrowing costs for small and medium-sized businesses is just one way we’re going further to help our customers, and Britain, prosper.
Business Loans & overdrafts
If your business needs to dip in and out of extra funds at short notice, you can pre-arrange flexible funding in the form of an overdraft. You can agree a limit and interest rate upfront, so you’ll always know where you stand.
|Enterprise Finance Guarantee|
|The Enterprise Finance Guarantee enables small businesses with a workable business proposal, but lacking sufficient security, to borrow money from approved lenders and supports both new lending and the ability to free up existing overdraft facilities. |
Find out more about Enterprise Finance Guarantee.
|Regional Growth Fund - Assisted Asset Purchase Scheme|
Lloyds Bank’s Assisted Asset Purchase Scheme enables businesses that meet schemes criteria and want to create/ protect jobs, to obtain a grant towards the purchase of new assets where they would not ordinarily be eligible for Bank funding due to a lack of deposit.
The scheme is supported by the Governments’ Regional Growth Fund (RGF), which is a £2.6 billion fund operating across England. It supports projects and programmes that are using private sector investment to create economic growth and sustainable employment.
Investing in property
Are you looking to buy new premises, or raise capital from an existing property? Talk to us about a commercial mortgage for buying, refurbishing or investing in property.
|Residential buy to let mortgage|
|If you would like to grow your capital and rental income by extending your property portfolio then our residential buy to let mortgage could be just what you need.|
Additional finance options
|Hire purchase and leasing|
Need to purchase new assets such as vehicles or plant and machinery? Asset Finance provides funding to allow you to purchase assets for your business which can be repaid in regular instalments over the anticipated useful life of the goods.
Find out more about Hire purchase and leasing.
|Invoice Finance (Factoring & Invoice Discounting)|
|Invoice Finance, also called Invoice Discounting or Factoring, is a flexible way to provide your business with working capital. It can help ease pressure on your cash flow in the case of late customer payments, rapid business expansion or purchases. |
Find out more about Invoice Finance (Factoring & Invoice Discounting).
|Trade finance - finance for import & export|
Time delays in receiving payments or when making payments to suppliers due to importing and exporting large volumes can make cash flow harder to manage. Trade finance can help speed up the time it takes for money to go in and out of your business by providing working capital.
|Vehicle Contract Hire|
|Whether you have found a vehicle and are looking for funding options, or you want help to source, buy or manage your fleet, we provide options that can be tailored to meet your specific needs. |
Find out more about Vehicle Contract Hire.
As part of our ongoing commitment to supporting UK businesses and improving customer relationships we have clearly defined our appeals process and provided details of how and when you can appeal.
Cashflow is the lifeblood of any business and managing it is essential. This section includes helpful guidance on cashflow management when times are tough.
See how Dartmoor Brewery turned to us when they needed help to expand and increase their product range and how the funding that we provided has enabled them to consolidate their position and grow.
Finance application checklist
The application process
Better Business Finance