The challenges of running and growing a wholesale business can be complex. Whether you're serving customers across Scotland or beyond, our experienced Relationship Managers work closely with you to keep goods moving and stay competitive. Backed by sector insights and tailored support, we can help you navigate international trade, strengthen resilience and invest in your growth ambitions.

How can we help you

Trade with confidence

We can help with sourcing goods or expanding into new markets, helping you navigate international trade with practical expertise and the right financial solutions.

Explore international trade

Manage your cash flow

Keep your business moving with flexible cash flow solutions that help you be prepared for what’s next.

Manage cash flow

Finance for growth and expansion

Our lending solutions help you acquire new equipment or vehicles, invest in sustainable upgrades or support your expansion.

Explore lending
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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.

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Bank of Scotland two-person illustration
Bank of Scotland two-person illustration
Bank of Scotland two-person illustration

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:
 

Bank of Scotland two-person illustration

Talk to a specialist

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

Start enquiry form

Bank of Scotland two-person illustration
Bank of Scotland two-person illustration

Contact Gemma Hales

Regional Performance Manager, Scotland

Email Gemma

Bank of Scotland two-person illustration

Contact Dene Jones

Head of Education, Charities and Government.

Email Dene

Bank of Scotland two-person illustration

Contact Madeleine McDougall

Managing Director, Corporate Sector Coverage

Email Madeleine

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Madeleine McDougall

Managing Director, Corporate Sector Coverage

Email Madeleine

Contact Thomas Grundy

Business Manager, Real Estate & Housing

Email Thomas

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

Importing and exporting

International trade can present exciting opportunities for growth. Whatever stage you're at, we can help you manage risk, support your cash flow and give you the confidence to make the most of those opportunities.

 

Trading Internationally

Manage risk and maintain your cash flow, giving you confidence to trade internationally.

More about international trade

Trading Internationally

Manage risk and maintain your cash flow, giving you confidence to trade internationally.

More about international trade

Managing cash flow

In wholesale, cash flow is important when managing large orders, stock and longer payment terms. We can help you reduce payment risk and access funds tied up in invoices and other trading assets.

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

Free up cash from you working capital

Manage the gaps that trading and payment cycles can create with our solutions.

Explore Corporate cards

Take card payments with confidence

Choose flexible and secure options to take card payments in person, online or by phone.

Taking payments

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.

Upgrade your warehouse or expand your fleet

Asset Finance is a way to finance what you need to keep your business running and help it grow.

Asset Finance

Finance your business growth

Upgrade your business or expand to new premises with a commercial loan.

Large business loans

Supporting your sustainability goals

Access discounted lending options designed to support your sustainability strategy.

Sustainable finance products
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Sustainability

Supporting Scottish businesses transition to low-carbon, sustainable business models and operations and to pursue clean growth opportunities.

Explore sustainable business
 

“At Bank of Scotland, we understand the pressures wholesale businesses face as they grow and expand at home and abroad. That’s why we offer a broad range of financial solutions, tailored to each customer’s needs – from supporting international trade and working capital, to accessing sustainable finance and managing the risks that come from running a business. By building long term relationships and bringing specialist expertise together, we help our customers strengthen resilience, seize opportunities, and support sustainable growth.”

Steven Kew, UK Head of Wholesale

Industry specialists

As a bank with deep roots in Scotland, we understand the important role wholesalers play in keeping the economy moving. Our experience across a wide range of sectors gives us insight into the challenges and opportunities facing your business, helping us provide specialist support, products and services tailored to your needs.

Manufacturing

Backing Scottish manufacturers with expert guidance and support for the industry.

Manufacturing sector

Retail

Supporting the Scottish retail sector with a range of products and expert insight.

Retail sector

Agriculture

Tailored products and services to support your long-term farm business success.

Agriculture sector