Newsletter Talking Trade Bank of Scotland April 2026
Hello,

Welcome to the Spring 2026 edition of Talking Trade, your quarterly trade newsletter offering the latest insights and resources to help your business build resilience and seize opportunities in today's complex trading environment.

In an increasingly complex global trading environment, UK businesses are balancing growth ambitions with the need to manage risk and protect cash flow. From geopolitical uncertainty to supply chain disruption and cost pressures, international trade continues to present both challenges and opportunities. The Bank of Scotland International Trade Portal is your one-stop shop for all things trade - both domestic and international - and we remain committed to supporting you with the expertise, tools, and information you require to trade successfully. From economic context to sector-specific opportunities and hands-on trade tools, our aim is to equip you with the knowledge and resources needed to manage risk and supercharge business growth.

In this edition of Talking Trade, we explore how businesses are adapting their trade strategies, highlight the latest UK business sentiment, and share resources designed to support your international journey.

Roadmap for UK Businesses in 2026
Insight / Thought Leadership
A Growth Roadmap for UK Businesses in 2026
International trade remains a cornerstone of UK economic growth, with exports of goods and services exceeding £798 billion in 2024. Yet, the global trade environment is evolving rapidly - shaped by technological transformation, changes to the global environment, and new regulatory frameworks. For UK businesses, this presents unprecedented opportunities for those ready to pursue them.

Our latest report explores how firms can navigate this dynamic landscape and unlock growth in 2026 and beyond. Drawing on research from over 1,300 businesses and insights from industry roundtables, the report identifies key trends and actionable strategies for success. The full report can be accessed here:
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image Managing trade risk in a volatile global market
Managing trade risk in a volatile global market
With ongoing geopolitical uncertainty and supply chain disruption continuing to impact UK manufacturers, many firms are reassessing how they trade internationally. While Open Account solutions remain popular, there is growing interest in traditional trade instruments such as Letters of Credit, Guarantees, Bonds and Indemnities, which can provide greater payment security and stronger risk mitigation. As manufacturers look to diversify into new markets and strengthen resilience, these tools can help build trust, protect transactions and support more predictable cash flow planning.

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Bank Business Barometer
UK business snapshot
Business confidence shows signs of resilience
The latest Lloyds Business Barometer suggests cautious optimism among UK firms despite ongoing economic headwinds.
  • Overall business confidence has strengthened
  • Expectations for future trading prospects have improved
  • Hiring intentions remain positive, although cost pressures persist

The Business Barometer offers valuable insight into how UK companies are responding to changing economic conditions - and where opportunities for growth may emerge.

Explore the latest Business Barometer insights:
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Practical tools to support your trade journey
Whether you are starting to export or looking to scale internationally, our digital tools can help you plan, manage risk and control costs:
icon Calculate the export cost Calculate the export cost
and understand shipping costs

 
icon Calculate the import costs Calculate the import costs
to understand the true price of bringing goods into the country
icon Explore international markets Explore international markets
and identify growth opportunities

 
icon Trade confidently in emerging markets Trade confidently in emerging markets and understand
the risks and opportunities
These tools are designed to help simplify international trade and support informed decision-making at every stage.
Capital Import Finance
Product spotlight
Capital Import Finance
Paying overseas suppliers upfront can place pressure on cash flow. Capital Import Finance is designed to help eligible businesses spread the cost of imports over time, while enabling suppliers to be paid promptly.

This solution can support stronger supplier relationships, improved working capital management and greater flexibility when sourcing internationally.

Watch the product overview video to learn how Capital Import Finance could support your business.
Read more
image log in the International Trade Portal
ACCESS THE INTERNATIONAL TRADE PORTAL
Whether you're just starting out as an importer or exporter, or you are an established international trader, we hope that the insight and resources provided in this newsletter are useful. Don't forget to browse the International Trade Portal for detailed information on domestic and international markets, trade networks, business opportunities and more.
Login today
That's a wrap! Keep your eyes peeled for the next edition of the newsletter.
icone contact us Contact Us
For more information on our services to help you with your trade journey!
While all reasonable care has been taken to ensure that the information provided is correct, no liability is accepted by Bank of Scotland for any loss or damage caused to any person relying on any statement or omission. This is for information only and should not be relied upon as offering advice for any set of circumstances. Specific advice should always be sought in each instance.

Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.

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.

Lloyds Banking Group is a financial services group that incorporates a number of brands including Bank of Scotland. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.

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