Powering business growth.

Unlock the value within your Balance Sheet and exceed your growth aspirations.

Structured Asset Based Lending

With structured Asset Based Lending solutions fully tailored to your individual business needs now and well into the future, realising your potential is a lot closer than you might think.

Asset Based Lending maximises the value of your trading assets - such as debtors, inventory, stock, plant, machinery, equipment, vehicles, product brand, owner operated property and property generating an income stream to the business.

Our Solutions

Upstream delivers a range of structured Asset Based Lending facilities for growth-focused companies in Northern Ireland, Ireland and Great Britain.

Supported by a London Asset Based debt specialist, Pollen Street Capital, Upstream empowers established SME and mid-corporate-sized businesses by providing a range of working capital and structured finance funding solutions to drive strategic, sustainable and transformational growth whether in transition, restructuring or in an acquisition cycle.

Structured Asset Based Lending

We offer Structured Asset Based Lending (ABL) incorporating – but not limited to – purchase orders, receivables, supplier finance, inventory, plant, machinery, equipment, vehicles, brand value and trading property.

Invoice Finance

Release funds against your debtor book. Instead of having to wait for up to 60 or more days for your debtors to pay, Invoice Finance will provide you up to 90% of their value immediately.

Trade Finance

Upstream redefines the much used term “alternative finance” and makes it tangible and real for growth businesses. We help companies buy better, bigger, faster and further.

“Courtney & Nelson is an important acquisition which was made possible by the partnership we have with Upstream which has provided a highly competitive Structured ABL facility.”

Paul Allen
Executive Chairman and Owner, Courtney & Nelson

Our Experienced Team

Founded by CEO Judith Totten MBE, the Upstream team is multi-disciplined. Skilled individuals, from a Banking and Finance background, who each have extensive experience in supporting businesses of all sizes, across a wide range of industry sectors and geographies.
Founder and CEO

Judith Totten

Asset Based Lending Partner

Lewis McCallan

Operations Director

Bill Hichens

Relationship Manager

Alastair Gracey

Acquisition and Relationship Manager

John Metcalfe