Retail & consumer products

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.

Consumer goods

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.

Retail

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.

Our people

Gillian Henderson
Gillian Henderson Commercial Director, Commercial Banking, Bank of Scotland

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Tony Oakley
Tony Oakley Head of Social Housing, Mid Markets, Commercial Banking, Bank of Scotland

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Pete Flockhart
Pete Flockhart Regional Relationship Director, Commercial Banking

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Stuart White
Stuart White Regional Director, North of Scotland, Commercial Banking, Bank of Scotland

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Gordon Rate
Gordon Rate Head of Scotland – SME & Corporate Financial Markets

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Colin Walls
Colin Walls Head of Trading and Working Capital, Commercial Banking, Bank of Scotland

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Nick Laird
Nick Laird Regional Managing Director, Commercial Banking, Bank of Scotland

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Fraser Sime
Fraser Sime Director, SME Banking, Bank of Scotland

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Jane Clark-Hutchinson
Jane Clark-Hutchinson Regional Director, Mid Markets, Commercial Banking

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Specialist teams

Economics and insight

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Products terms & conditions

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Contact us

For more information, contact your local relationship director or use our online directory.