Finding the right source of finance

If you’re seeking funding for growth, choosing the right type of finance from a source you can trust to work with you over the long-term, is essential.

Can I borrow for my business?

See how likely you are to get a Business Loan or Overdraft. View indicative interest rates and repayment details. Try different options without affecting your credit rating.

Get a quote for a business loan or overdraft

Funding comes in all shapes and sizes. Which option is best for your business will depend on many things: the reason for seeking finance, your trade and working capital cycle, your risk profile, your asset base and the term and amount you require.

What to consider

  • Matching your funding to your needs may seem obvious, but a review can show you may be paying for funds you don’t use.
  • Leveraging your assets can help you make the most of what you have and could help you access additional funds.
  • Using your working capital more efficiently can help boost your growth options.

Types of finance

We can provide you with a range of solutions that meet your needs.

Term loans and overdrafts – for a straightforward solution with certainty and flexibility built in, a term loan allows you to access capital for growth. For short-term finance, an overdraft helps you keep pace with fluctuating financial demands.

For more information on the benchmarks please visit the Benchmark Transparency Statement

Invoice Finance Solutions - funding that helps you run and grow your business more efficiently, Invoice Finance can help you make the most of your assets. Our Lloyds Bank Commercial Finance team can help you release up to 90% of the value of your unpaid invoices alongside this. Asset Based Lending can unlock further cash tied up in stock, property, plant and machinery to improve your working capital and help support your business plans.

Hire Purchase and Leasing - is a method to secure funding against asset based requirements. It enables you to secure ownership of the assets upon full repayment of the amount lent. The cost of an asset can be spread over its useful working life and paid for out of the revenue it earns. Payment patterns can be tailored to suit your needs. Generally involving payment of a deposit and the VAT amount, followed by a series of monthly (or quarterly) instalments.

Capital markets - for more complex, high value or longer-term funding our capital markets teams have expertise in structuring finance packages that meet client needs. These may include senior debt, mezzanine finance, bonds or multi-lender facilities.

Trade finance - as you compete globally, having the right finance to allow you to take advantage of opportunities is crucial, whether as an importer or exporter. Managing and supporting your trade cycle with appropriate funding and risk management tools could help you achieve international success.

Through the cycle support

Locally-based relationship managers offer you access to specialist expertise and solutions to help you achieve your business ambitions. They work hard to get under the skin of your business and to deliver funding that can act as a springboard for growth.

By regularly reviewing your funding, we ensure it continues to meet your needs, so that opportunities never pass you by. We believe in building strong relationships that underpin our commitment to supporting businesses throughout the economic cycle.

Loan calculator

Calculate monthly repayments with our easy to use tool.

Launch calculator


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.

When using Asset Finance your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply. The provision of credit or leasing services by us is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing services that you can comfortably afford. Invoice Finance, Payroll Finance, Asset Based Lending and Debtor Protection facilities are provided by Lloyds Bank Commercial Finance.

Lloyds Bank Commercial Finance is a trading name of Lloyds Bank Commercial Finance Ltd. Registered office: No.1, Brookhill Way, Banbury OX16 3EL. Registered in England and Wales no.733011.

Lloyds Bank Commercial Finance Scotland Limited, Registered in Scotland no.93252. Registered office: 110 St Vincent Street, Glasgow G2 5ER.

Lloyds Bank Commercial Finance Limited is part of Lloyds Banking Group and is authorised and regulated by the Financial Conduct Authority under Registration Number 724228 for activities relating to certain types of consumer credit which are regulated under the Consumer Credit Act 1974 and by the Financial Services and Markets Act 2000. We are not deposit takers and are not regulated by the Prudential Regulation Authority.

Finance selector

A useful tool to help you find out which of our finance options may be right for your business.

Launch selector

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Case studies

Read about how we've helped other businesses just like yours