It operates under the Bank of Scotland brand within Lloyds Banking Group’s UK ring‑fenced bank.
Bank of Scotland Commercial Banking is a relationship‑led banking partner for Scottish businesses, combining local decision‑making with the scale and product breadth of Lloyds Banking Group. We help organisations manage day‑to‑day banking, invest for growth and navigate change with confidence.
Through our Relationship Banking teams in Scotland, clients access working capital, term lending and everyday banking, alongside specialist solutions delivered across our Group: Asset Finance for funding plant, machinery and vehicles; Invoice Finance/Receivables Finance to accelerate cashflow; Cards, Cash Management & Payments and Cardnet merchant acquiring; Trade & Working Capital and the International Trade Portal for import/export; and Markets (FX & rates) for risk management. We also provide end‑to‑end vehicle leasing and fleet solutions via Lex Autolease, part of Lloyds Banking Group, helping businesses decarbonise and optimise their fleets.
As part of the UK ring‑fenced bank, we bring the reach and resilience of the Group while staying focused on Scotland’s economy and communities.
