Business Overdrafts
Be financially flexible with a business overdraft.
Protecting your business
We'll help you identify, quantify and manage financial risks in your business in three simple steps.
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Step 2: Quantify
We can help you measure how:
- Moving markets may affect your business, by analysing the latest market information and incorporating Lloyds Bank market forecasts.
- Translating risk into a cash value can show the impact on your cash flow and profitability.
- Defining financial tolerance to risk can help assess the impact on your business.
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Step 3: Manage
Once we’ve helped you identify and measure your exposure to risk, we’ll:
- Look at how you manage risk
Highlight any gaps between risk management and risk exposure.
- Discuss a range of solutions
Help you choose the right solution for your business.
- Deliver a risk management strategy
You’ll get ongoing proactive support from our team of Financial Risk Managers.
- Look at how you manage risk
Step 1: Identify
Your Financial Risk Manager will review your:
- balance sheet
- income statement
- cash flow, and
- future business plans
Where there is risk
- International trade
The risk of not getting paid or receiving goods and services, and changes in currency exchange rates are some of the risks we can help protect your business against
- Changes in interest rates
Changes in interest rates can increase your borrowing costs and affect your cash flow, profit margin and ability to repay and borrow in the future.
- Return on savings
Budgeting to understand your cash flow could help identify additional sources of revenue, like returns on your savings.