About Us

Delivering bespoke funding solutions for your business.

Unlock your Balance Sheet

With proven award-winning expertise in providing working capital solutions to businesses since 2011, Upstream delivers a wide range of structured ABL facilities for growth-focused companies in Northern Ireland, Ireland and Great Britain.

Proven track record

Founded by CEO Judith Totten MBE in 2011, from a standing start, Upstream supports business ambition by unlocking the value of Balance Sheet assets to deliver bespoke funding solutions that drive sustainable and scalable growth.

Supported by Pollen Street Capital, Upstream empowers established SME and mid-corporate-sized businesses to raise the appropriate funding needed to drive strategic, sustainable and transformational growth whether in transition, restructuring, scaling or acquisition mode.

Tailored funding solutions

Delivered at pace, funding can be secured on a variety of assets including debtors, purchase orders, pre contracted sales, inventory and stock, plant, equipment, machinery, vehicles, product brands and trading property.

This provides the opportunity to unlock cash to drive scale and growth, improve and extend the working capital cycle and ultimately allows the business owner to stay in control.

Upstream is acknowledged as an established and trusted finance provider complementing the mainstream lending market, offering a range of financial solutions tailored to the needs of SMEs and mid-corporate business owners, leaders and entrepreneurs.

We have significant local autonomy to deliver finance solutions. You will have access to a local decision maker on site, with no unnecessary delay in delivery. Upstream will never waste your time and we will signpost alternatives where needed.

Talk to us about how we can take your business to the next level.