PERSONAL BUSINESS PRIVATE BANKING INTERNATIONAL BANKING Lloyds Bank logo Help & Support Register for internet banking Log on Products and services Corporate solutions Industry expertise Resource Centre Banking online Home Borrowing for your Business Borrowing for your business Whatever business opportunities or challenges you face; we have finance solutions to help you thrive. Helping you choose the right finance, at the right time. Whether you’re an established business or just starting out, finding the right finance product to meet your needs can be difficult. At Lloyds Bank, we want to make it simple for you to compare and choose our products, whatever your business circumstances. What are you looking to finance? Managing unexpected expense Investing for growth Managing cash flow Importing & Exporting Managing unexpected expense However well you plan ahead, there will always be unforeseen circumstances. From a Business Overdraft, to Credit and Charge Cards, we have a range of tools to help you prepare for and cope with unexpected expenses. Business Overdraft A Business Overdraft is a useful safety net, giving you extra funds when you need them. Apply for a limit that suits your business (starting from £500). Only pay interest on the funds you use. The interest rate is linked to the Bank of England bank rate, which may vary from time to time. Get an online quote in minutes, without affecting your credit rating. 99% of customers who used this tool and opened the same product received an offer rate that was the same, better or no more than 10% above their indicative quote. More about Business Overdrafts How to apply Business turnover between £0-3m You can apply online if you already have a Business Current Account with us. Log on and apply Business turnover between £3m-£25m Completing our online enquiry form takes about 10 minutes. Once we receive it, we’ll contact you to discuss your business needs. Enquire now Business Credit and Charge Cards The cost-effective way to manage both regular and out-of-the-ordinary expenses. With our Business Credit Card, you can access longer term credit when you have limited funds available: Borrow up to £10,000 with flexible repayment options Up to 45 days interest-free on sterling purchases if the balance is paid in full and on time Issue up to 20 cardholders, each with their own spending limits Access short-term funding with our Business Charge Card: Borrowing starts at £1,000 No interest to pay as your balance is paid in full each month Issue as many cardholders as you need, each with their own spending limits More about Business Cards How to apply Existing customers registered for Online for Business can apply online Log on and apply If you’re unable to log on and apply, talk to us: If your business has a turnover of up to £3m Call 0345 072 5555 If your business has a turnover above £3m Call 0800 022 4395 Lines open 9am to 5pm, Monday to Friday, except public holidays. Invoice Finance Manager Invoice Finance Manager is our single Invoice Finance solution - suitable for businesses with occasional or seasonal cash flow challenges. Our all-in-one digital platform is designed to help you manage your cash flow and inject money into your business when you need it. Flexible funding - Unlock cash tied up in unpaid invoices through our flexible pay-as-you-go funding solution Credit Control – Save time by automating your invoice reminders and monthly statements Risk Insights – Use our customer insights to shield your business from potential bad debt. More about Invoice Finance Manager If you would benefit from an ongoing boost to your cash flow, we also offer Invoice Factoring and Invoice Discounting. More about Full Invoice Finance Check eligibility and get started To be eligible for our platform: You must be a limited company You must invoice other UK businesses You must have a compatible accountancy software package (PDF, 117KB) To be eligible to fund invoices, you must meet all eligibility criteria and: You must have been trading for 6 months or longer Your turnover must be more than £100,000 per annum Check eligibility Solutions for larger businesses with an annual turnover of £25m+ We provide seamless support for businesses with a turnover above £25m across multiple asset classes and products. View our corporate solutions Useful links Lending application Lending appeals Lending Standards and Support Deeds of Priority and Waivers Business Finance Guide Business Banking Insight Business Recovery Businesses are facing unprecedented challenges right now and meeting financial obligations can be hard. Support is available should you need it. Business Recovery Hub Making sure you get a fair deal We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board. To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower. Download the statement of responsibilities (PDF, 57KB) PDF opens in a new tab. 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. 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. *There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan. However, if interest rates rise, a fixed rate loan will remain at the same rate. The provision of credit or leasing services is subject to you meeting our Credit approval. Please ensure that you only apply for credit or leasing services that you can comfortably afford. Important Legal Information Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group. Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively. We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered. Print Email Share Please enter to access social media links Back to top Existing customers Help and support Contact us Banking with us Find a branch Terms and conditions Legal and regulatory About Lloyds Bank Lloyds Banking Group Communities Careers Press releases Security Legal Privacy Cookies Accessibility Sitemap Visit the Lloyds Bank Twitter page (opens in new tab) Visit Lloyds Bank Facebook page (opens in new tab) Visit Lloyds Bank Instagram page (opens in new tab) Visit Lloyds Bank Linkedin page (opens in new tab) Visit the Lloyds Bank YouTube channel (opens in new tab)