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

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

Jump to taking payments

Manage your cash flow

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

Jump to cash flow solutions

Fund your business growth

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

Jump to funding options

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.

Keep your business running smoothly 

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.

 

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.


Explore payment solutions

Read about payment solutions for business growth

Providing payment solutions to over 14,500 retail businesses

Logos of customers using Lloyds Cardnet - Costco Wholesale, Bayliss, Marks Electrical, Dunster House
Logos of customers using Lloyds Cardnet - Costco Wholesale, Bayliss, Marks Electrical, Dunster House

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, Lloyds Bank to share their top insights on why cash flow is so important and how business owners can keep it healthy.



Watch, read or listen to find out more

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.

See Merchant Cash Advance (MCA)

How to grow your business

Purchase your perfect property

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

Explore Commercial Mortgages

The right property for your business

Get a little flex from your finance

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

Discover Loans

Read about Cavan Bakery's story

 

Get insights to boost your business

Make informed decisions in today’s dynamic markets with the latest insights from our experts. Our one-stop shop of economic reports, market intelligence, expert analyses and forecasts can help you to navigate economic changes with confidence.

Get market insights

Let's help you get to the right person

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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Put sustainability at the heart of your business

If you want to stay competitive and improve your energy efficiency, going green is the way forward. You could also cut costs and stay up to date with new regulations.

 

Find out how you can become more sustainable

Our report gives you practical steps to make your business more sustainable. By following these tips, you could reduce your environmental impact, boost your brand and attract eco-conscious customers. Embrace sustainability and watch your business thrive.

Read our practical guide (PDF, 19.5MB)

Championing diversity in retail 

At Lloyds, 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.

Disabled-owned businesses

We back disabled business owners by giving them practical resources and tailored help. We’re working with partners to help break down barriers that exist in the finance sector.

Get support

Black-owned businesses

At Lloyds, 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.

Find inspiration

Women in business

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

Meet your community

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.