• Retail & consumer products

  • The retail sector, selling through shops, social media and the web, is subject to seasonal peaks and troughs as well as a vulnerable to changes in consumer confidence. Within this turbulent and highly competitive environment, there is added pressure for businesses to manage their working capital effectively.

    Our retail and consumer solutions can help you prosper whatever the economic environment. The knowledge we have built-up, and continue to develop, comes from our experience of working with retailers. We take the time to understand the specific issues you face and work with you to build a relationship that supports your ambitions. Getting the best guidance and the right products and services for your business means you can get it right.

  • Consumer goods

    Our understanding of consumer goods markets, specialist products and their key players allows us to provide you with strategic, timely and tailored advice.

    We understand the cashflow demands of businesses and provide trade finance support for importers and exporters. At the same time, we recognise the broader macro-environment – such as changing consumer habits, or the challenges from access to natural resources - and the impact this has on the sector.


    The food sector has seen tough and changeable trading conditions in recent years. Despite this, the sector continues to expand, with exporting and new product development expected to be key drivers for growth.

    Higher growth markets are a major target for food sector businesses, with almost two-thirds of companies identifying the Far East/Asia as their key area of focus, replacing Western Europe at the top of the list of target markets. Growth in these markets is forcing Western businesses to innovate in order to capitalise on these opportunities.

    We aim to offer trade finance support to importers and exporters. We make the most of our knowledge of the regulatory environment and monitor demand changes in the sector to support your business through the cycle in the most efficient way possible. We will work with you as you seek to benefit from these fast-growing markets.


    The economic environment of the last couple of years has had a significant impact on all businesses, but the drink sector has demonstrated defensive qualities throughout this trying time. Many success stories in this sector have increased their internal focus on cash and costs and taken the opportunity to grow market share. Exporting and new product development are the focus for many drink sector businesses, while higher growth markets, such as Far East/Asia, are considered the latest major target for almost two-thirds of companies.

    We aim to create long-term financial plans that work within the timeframes of your business and in line with regulation. Our trade finance support is based on in-depth sector expertise and experience of working with businesses large and small in the industry. We monitor changes in the markets, and can work with you as you adapt your business to benefit from the opportunities in growth markets. No matter what your company’s goals are, from consolidation to expansion, our team is here to help you achieve them.


    With seasonal trends and constantly changing demand levels, the retail sector faces many challenges both within and outside its control. These are challenges that retailers do not need to face alone.

    We work alongside retail bodies of all sizes to offer facilities when you need them – for example, from August to November to cover the purchase of goods for the Christmas season.

    Our financing options include trade finance, estate enlargement, working capital, risk management, cash facilities and card payment facilities.

  • Case studies

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Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 0207 626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.

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.