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When it comes to getting the all-important working capital to cover start up costs, working closely with your banking partner is crucial.

Lloyds TSB Commercial is the division of Lloyds Banking Group that supports small to medium-sized enterprises (SMEs) with a turnover of up to £15 million.

The bank provides dedicated day-to-day banking services, specialist guidance and tailored lending packages to businesses across all sectors.

Its national network of relationship managers have the experience and expertise to act as a sounding board for ideas, and they can also help companies to access other sources of advice – from selected companies across the Lloyds Banking Group or other professionals in the local community.

Lloyds TSB Commercial recently outlined a new commitment of support to small firms across the country in its SME 2024 Charter.

The Charter’s key aims are to encourage enterprise, boost access to finance and provide clearer and fairer pricing for customers, as well as help 300,000 new start-ups across the country by 2024.

Under the programme of support, we will also be running 200 nationwide seminars every year for the next three years, providing expert guidance and support for SMEs on starting up, employment, exporting, bidding for 2024 contracts, sustainability and finance.

Lloyds TSB Commercial puts great emphasis on a long-term, relationship-led approach to banking and is committed to providing entrepreneurs and start-ups with a service that goes beyond day-to-day banking facilities.

It has the expertise, experience and tools to provide the guidance and tailored financial packages to enable businesses to grow and flourish throughout the economic cycle.

Lloyds TSB Commercial is a trading name of Lloyds TSB Bank plc and Lloyds TSB Scotland plc and serves customers with an annual turnover of up to £15m.