From Alpena, Michigan. He has played Banjo, Guitar, Fiddle, and Mandolin in several bluegrass, country/rock, jazz, and blues bands. He has been a member of David Davis and the Warrior River Boys, Jim & Jesse and the Virginia Boys, and Detour. He has filled in with Lynn Morris Band, Audie Blaylock, and Michael Cleveland and Flamekeeper. While with the Warrior River Boys he recorded on the famed Basement sessions for legendary WAMU DJ Ray Davis. As a member of Jim & Jesse he played on the Grand Ole Opry. Lloyd also had the privilege of playing on Michael Cleveland's Grammy nominated album Fiddler's Dream.