Michael Lloyd was born in Salisbury in 1950. He trained first at the Birmingham School of Silversmithing and then at the Royal College of Art under Professor Robert Goodden and Professor Gerald Benney.

Michael Lloyd works mainly to commission and his work reflects his love of nature and his appreciation of creativity. Major works include a bowl for Lord Porter, an offertory salver for Lichfield Cathedral and a range of chapel furnishings for St Oswald's Hospice. In 1999 he was commissioned to make the mace presented by HM The Queen to the New Scottish Parliament.

As well as his work being found in many private collections it may also be seen in museums across the United Kingdom such as Birmingham Museum and Art Gallery, the Fitzwilliam Museum, the Royal Scottish Museum and the Victoria and Albert Museum. He is a Freeman of the Goldsmiths' Company.