Client Charter

For Invoice Finance clients and prospects

Lloyds Bank Commercial Finance is already supporting around 10,000 clients, from start up to multinational, demonstrating our real commitment to the UK Business community.

We believe that our products and services, and our staff, are amongst the best in our industry, and our aim is to provide excellent client service at all times – we believe in treating our clients fairly in all our dealings with them.

For this reason we offer all our clients, and prospective clients our Business Charter.

Before you become a client

Our decision pledge

  • Businesses with turnover up to £25m
    We will give you a clear and straightforward indicative decision on our offer (ie accept, accept subject to more information, or decline) within 48 hours of our first meeting with you, so you know where you stand quickly.
  • Businesses with turnover over £25m
    We will give you a clear and straightforward indicative decision on our offer (ie accept, accept subject to more information, or decline) as soon as is practicable, so you know where you stand. We will give you clear reasons for any request for more information, or for a decline decision.

When you become a client

Our service pledge

  • If, at the end of the initial six months, you are dissatisfied with our service and wish to terminate your relationship with us, you may reclaim a refund of the service fee you have paid during that period. All we ask of you is the opportunity to resolve any concerns that may occur during this time. The service pledge is only applicable to Invoice Factoring and Invoice Discounting facilities.

Our termination pledge

  • During the first six months following the commencement of your agreement you may terminate your facility without incurring a termination fee by giving us 28 days notice, unless we agree and document a different fixed termination period with you at the outset of the agreement. After the initial six month period our normal contractual termination conditions will apply. In the event of termination all outstanding balances must be cleared by the termination date. The termination pledge is only applicable to Invoice Factoring and Invoice Discounting facilities.

Terms and conditions apply

Terms and Conditions

View the Commercial Finance Charter terms and conditions.

Find out more (Terms and Conditions)

SME Charter - Our commitment to supporting UK business

Our commitment intends to help stimulate demand and boost access to finance for SMEs; assure Lloyds Bank customers of clear and fair terms; encourage enterprise; and provide guidance to help businesses grow successfully. Read our SME Charter for full details about our commitment to you.

Read charter (SME Charter - Our commitment to supporting UK business)

© Copyright Lloyds Bank Commercial Finance 2017

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.

Lloyds Bank Commercial Finance Ltd. Registered office: No.1, Brookhill Way, Banbury OX16 3EL. Registered in England and Wales no.733011.

Lloyds Bank Commercial Finance Scotland Limited, Registered in Scotland no. 93252. Registered office: 110 St Vincent Street, Glasgow, G2 5ER.

Lloyds Bank Commercial Finance Limited is authorised and regulated by the Financial Conduct Authority under registration number 724228 for activities relating to certain types of consumer credit which are regulated under the Consumer Credit Act 1974 and by the Financial Services and Markets Act 2000. We are not deposit takers and are not regulated by the Prudential Regulation Authority.

When using Asset Finance your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply. The provision of credit or leasing services by us is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing services that you can comfortably afford.