The Fred V. A. Lloyd company was established in September of 1891 with the purchase of the old established business of Messrs. H. Newton & Co. of 5 South John Street, Liverpool. Mr. Lloyd had extensive experience in the photographic trade prior to his purchase. His first encounter with photography was in 1881 being employed by Murray & Heath early camera makers. He worked there for two years and then went on to work with the Jacquemin Brothers for six years and then in retail for the Wood Brothers of Liverpool as the manager of the photography department. Having both design and retail experience, he purchased his this own establishment at the young age of twenty six years, where he put his heart and soul into his business. He quickly became one of the major photographic supply houses. In 1898 due to the growth of his business he moved to 15 Lord street, Liverpool. In 1909, Mr. Fred. V. A. Lloyd, took over the sales and agency of Messrs. Talbot and Eamer, Mirals, Ltd..
1900 The Photographic Dealer, November. p. 124
1909 The Amateur Photographer and Photographic News p. 551
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