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About Lloyds Bank
Lloyds Banking Group is one of the UK’s largest and most established financial institutions, with a history spanning over 250 years. It is part of the “big four” UK banks and plays a major role in personal, business, and commercial banking across the country. The group also previously included brands such as TSB Bank, which was later separated, highlighting its long-standing influence across the UK banking sector.
Within the group, Lloyds Bank is the main high-street brand serving millions of customers, including a strong focus on UK businesses. From start-ups and small enterprises through to large corporates, Lloyds provides a wide range of lending, savings, and day-to-day banking services designed to support business growth and stability.
What business finance products does Lloyds offer?
Lloyds provides a broad range of business finance solutions tailored to different stages of growth, from small working capital needs through to large-scale expansion funding. Their lending options are designed to support everything from cash flow management to long-term investment.
Small business loans
Small business loans from Lloyds are designed for everyday funding needs such as managing cash flow, investing in equipment, or supporting short-term growth plans. Businesses with a turnover under £3 million can typically apply for borrowing up to £50,000, with flexible options to suit different repayment preferences.
You can choose between fixed or variable rate options depending on how you want to manage interest risk and repayment certainty.
| Loan amounts | £1,000 to £50,000 |
|---|---|
| Loan terms | From 1 year |
Key features:
- Borrowing designed for small and growing businesses
- Fixed or variable rate options available
- No arrangement or early repayment fees
Large business loans
Large business loans from Lloyds Bank are designed for established UK businesses looking to invest in growth, whether that’s upgrading existing operations, expanding premises, or funding major commercial projects. These loans typically start from £50,000, making them suitable for more significant long-term investments.
They’re structured to give businesses flexibility over how they borrow and repay, helping you align finance with your cash flow and strategic plans. Whether you’re scaling operations or entering new markets, these loans can be tailored to support a wide range of business goals.
| Loan amounts | From £50,000 |
|---|---|
| Loan terms | 1 years to 25 years |
Key features:
- Funding to support acquisitions, business expansion, or key strategic investments
- Repayment terms from 1 to 25 years to suit business needs
- Flexible finance options with tailored lending support for growth
Other funding products for business
Alongside traditional lending, Lloyds Bank also offers a range of specialist finance solutions to support business growth and long-term investment. This includes options such as commercial mortgages, helping businesses purchase or refinance trading premises, as well as tailored funding designed to support expansion and operational needs.
The bank also provides sustainability-focused finance, including green asset finance, clean growth funding, and agricultural transition support. These products are designed to help businesses invest in energy-efficient equipment, reduce carbon emissions, and progress towards long-term environmental goals, while still maintaining flexible access to funding.
Calculate your Lloyds Business Loan costs
Using a Business Loan calculator allows you to quickly estimate what your Lloyds Bank business loan borrowing could cost in real terms. You can explore different loan amounts, adjust repayment terms, and see how changes in interest rates may affect your monthly repayments and the total cost over the full loan period.
Whether you are reviewing an existing offer or planning new finance, a calculator helps you compare scenarios side by side and make more informed decisions before moving forward.
If you already have a Lloyds business loan quote and want to compare it against other lenders, we can help you explore alternative options and see what else may be available for your business.