Whether you’re looking to expand into new markets, take advantage of the latest tech or simply maintain your margin, we’re here to support you. We can help you run and grow your business against a difficult economic backdrop as well as give you certainty in uncertain times. 

How we can help you

Make taking payments easy

Make taking payments easy

With our payments solutions your customers can enjoy a lightning-fast experience. You can take payments in-person, online and over the phone.

Manage your cash flow

Manage your cash flow

We can help you manage your day-to-day cash flow, so your business runs smoothly even in challenging times.

Fund your business growth

Fund your business growth

Looking to grow your retail business or expand into new premises? We could fund your next step.

Do better business, become more sustainable

Do better business, become more sustainable

By becoming more sustainable, you’ll do more than just help the planet. You could also boost your bottom line, cut costs and keep in line with new regulations. Let’s go green together.

Helping retailers take payments 

In today’s increasingly cashless society, not being able to take card payments even for a short amount of time can hold you back. That’s why we put reliability at the heart of our payment solutions. We also make sure our pricing is transparent, so you know exactly what you’re paying.

We make taking payments easy

With our reliable payment solutions, you’ll have the peace of mind of knowing that you can take card payments whenever you need to, wherever your customers are.

Explore payment solutions

We make taking payments easy

With our reliable payment solutions, you’ll have the peace of mind of knowing that you can take card payments whenever you need to, wherever your customers are.

Explore payment solutions

Managing cash flow

Whether you’re waiting to be paid for a big order, or all your bills have come in at once, everyone needs a little buffer occasionally. Our lending solutions will give you the flexibility you need to manage your day-to-day cash flow.

Borrow for the short term

Setting up an overdraft for your business gives you financial flexibility and support when it matters.

Find Overdrafts

Give your cash flow a little flexibility

Access up to 56 days of interest-free credit* on anything you buy. Just make sure you pay the balance in full and on time.

Search Credit Cards

Unlock the cash in your unpaid invoices

Boost your cash flow with Invoice Finance and get early access to money owed to you.

Discover Invoice Finance

Ways to maintain a healthy cash flow

Healthy cash flow is vital for business growth. We’ve asked successful entrepreneur, Joe Bennett and James Sykes, Head of Invoice Finance, Bank of Scotland to share their top insights on why cash flow is so important and how business owners can keep it healthy.

More on managing cash flow

Ways to maintain a healthy cash flow

Healthy cash flow is vital for business growth. We’ve asked successful entrepreneur, Joe Bennett and James Sykes, Head of Invoice Finance, Bank of Scotland to share their top insights on why cash flow is so important and how business owners can keep it healthy.

More on managing cash flow

Growing and investing in your business

If you’re thinking about expanding or investing in your business, we can give you the certainty you need to take that plunge.

Borrow from tomorrow’s sales

Fund your business today with tomorrow's card sales. Apply for a cash advance from £1,000 to £500,000, provided by Lloyds Bank.

See Merchant Cash Advance (MCA)

Purchase your perfect property

Whether you’re looking to buy premises or build your investment property portfolio, we can help.

Explore Commercial Mortgages

Get a little flex from your finance

Loans are a flexible way to expand your business or invest in equipment.

Discover Loans
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Let's help you get to the right person

Get in touch with a specialist who can help with your business needs.

Click here for an accessible version.

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Talk to a specialist

One of our team members will contact you to discuss how we can support your business.

Start enquiry form

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I would like to:
 

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Talk to a specialist

One of our team members will contact you to discuss how we can support your business.

Start enquiry form

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Contact Gemma Hales

Regional Performance Manager, Scotland

Email Gemma

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Contact Dene Jones

Head of Education, Charities and Government.

Email Dene

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Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Championing diversity in retail 

We understand that backing diversity doesn’t just make for a better world, it’s also good business sense. That’s why, we support a wide range of business owners from a variety of backgrounds.

Black-owned businesses

We support Black-owned businesses by giving them the right tools, expertise and finance to help them grow. Through key initiatives we aim to create equal opportunities so Black entrepreneurs can thrive.

Women-owned businesses

Find access to supportive communities, resources, and products to help you manage and grow your business.

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

*Up to 56 days interest-free credit applies to all purchases, but there may be other charges and fees for non-sterling purchases. Fees and interest apply to cash withdrawals.

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.

All lending is subject to status. Security may be required.