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The retail sector, selling through shops, social media and the web, is subject to seasonal peaks and troughs as well as a vulnerable to changes in consumer confidence. Within this turbulent and highly competitive environment, there is added pressure for businesses to manage their working capital effectively.
Our retail and consumer solutions can help you prosper whatever the economic environment. The knowledge we have built-up, and continue to develop, comes from our experience of working with retailers. We take the time to understand the specific issues you face and work with you to build a relationship that supports your ambitions. Getting the best guidance and the right products and services for your business means you can get it right.
Our understanding of consumer goods markets, specialist products and their key players allows us to provide you with strategic, timely and tailored advice.
We understand the cashflow demands of businesses and provide trade finance support for importers and exporters. At the same time, we recognise the broader macro-environment – such as changing consumer habits, or the challenges from access to natural resources - and the impact this has on the sector.
With seasonal trends and constantly changing demand levels, the retail sector faces many challenges both within and outside its control. These are challenges that retailers do not need to face alone.
We work alongside retail bodies of all sizes to offer facilities when you need them – for example, from August to November to cover the purchase of goods for the Christmas season.
Our financing options include trade finance, estate enlargement, working capital, risk management, cash facilities and card payment facilities.
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Regional Relationship Director, Commercial Banking
Regional Director, North of Scotland, Commercial Banking, Bank of Scotland
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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.
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