Find out more
You are on Business
Your business has very specific needs and we take the time to understand them. Whether you’re looking to finance growth, manage risk or drive efficiencies, we can help you to support your business in the UK and overseas.
With the fluctuating cost of energy prices, the need to harness technological advances, and the rising demand for innovating new products and entering new markets, we’re aware of the need for a bank that understands your business and supports your ambitions.
Our experienced relationship directors, based in your region, offer frontline banking, sector and product specialisms that will work with you to provide solutions tailored to your business needs.
We make it our business to ensure that you have the right financial support, from trade and supply chain management to asset finance and access to capital markets.
With economic recovery comes opportunity for the automotive manufacturing industry. Some impediments to growth include indirect taxation, an increase in road tax as well as increasing petrol costs. Rising energy costs, emission controls and environmental concerns are emphasising the need for innovation as the industry develops in the 21st century. However, confidence and sales are increasing, with key growth areas in:
Additionally, the UK is viewed as a key market for European manufacturing based on the strength of Sterling vs the Euro and is enhanced by a number of key conditions. These include:
Across the supply chain we have the expertise to ensure that your business is in good financial shape and ready for growth in the UK and overseas. We look at a range of factors to ensure we understand your business, including:
Our relationship directors bring an understanding of your regional economic factors as well as the wider global perspective. We were the first UK bank to train our relationship directors in the nuances of the sector, working with the University of Warwick and the Manufacturing Technologies Association to provide our teams with accreditation in understanding what manufacturing businesses need from their bank. We’re also investing £1 million a year to fund engineering apprenticeship and trainee schemes at the manufacturing technology centre in Coventry.
With the support of our sector and product specialists, we will be with you throughout the economic cycle and wherever your business needs to go.
We also understand that manufacturing businesses have their own unique banking needs. This sector needs continuous reinvestment in research and development, people and processes, to retain their competitive advantage in an ever-growing global marketplace. Whether it’s bolstering cashflow, financing growth, undertaking international trade or making acquisitions, we’re here to provide guidance to help your business find the best answer.
We work closely with industry bodies such as EEF and the manufacturing training centre, to ensure we keep in touch with developments that impact our customers. We’re committed to supporting the vital role that manufacturing plays in the UK economy and we’ve committed an additional £1 billion of lending to the sector to help drive growth in this area.
If you’re looking to purchase newer, more efficient assets, need funding to facilitate the next stage of growth for your business or want to mitigate against fluctuating fuel costs, our transport sector specialists have the experience to ensure that you have the best advice and access to the best solutions.
The market place has changed little in the past three to four years. The majority of companies operate in road haulage and warehousing, with the remaining air, rail and water freight being delivered by specialist providers or international logistics firms.
Regional Director, Mid Markets, Commercial Banking
Commercial Director, Commercial Banking, Bank of Scotland
Head of Social Housing, Mid Markets, Commercial Banking, Bank of Scotland
Regional Relationship Director, Commercial Banking
Read our latest in-depth analysis and topical articles.
Economics and insight
Ensure you're up to date with our products and services' latest small print.
Terms and conditions
For more information, contact your local relationship director or use our online directory.
Find a contact
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.
Please note that any data sent via e-mail is not secure and could be read by others.
Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.
We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk
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.
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com.
This site is intended for UK residents unless otherwise stated.
© Bank of Scotland plc 2015. All rights reserved
Find your way
Products and services
Banking with us
About Bank of Scotland
About this site
New Customers £25m+
Pete Flockhart, Regional Relationship Director
07789 396 690
Existing Customers £25m+
Existing with Bank of Scotland Commercial Banking
0345 604 8129
How to voice your concerns
Find us on Linkedin
Keep up to date with the latest from Lloyds Bank Business.
Follow us on Twitter
Receive news and product updates.