Author: Julie Roulston

Congratulations Judith!

Fantastic achievement for our Managing Director and Co-Founder Judith who received her MBE (From Prince William), at Buckingham Palace on Thursday. We are all SO Proud of you and everything you have achieved… how you help fund the future of small businesses and work tirelessly for NI PLC. Congratulations from your friends and colleagues at… Read more »

Business Accolade For Upstream Managing Director

Judith Totten MBE has been recognised for her services to business here in NI at a recent Awards ceremony in Belfast. Judith received a “Highly Commended” in the category Business Personality Of The Year and Upstream were a finalist in the “Innovative Business Of The Year” at the BEFTA’s (Business Eye First Trust Awards) in… Read more »

Clients, Challenges, & Charting New Territory

Upstream’s MD Judith Totten talks Clients, Challenges and Charting New Territory… Having recently been awarded an MBE in the Queens Birthday Honours – We ask Judith’s opinion on the challenges facing the finance sector, why she views her job as a privilege and exactly how does one feel about meeting Royalty? How is business? Business… Read more »

What Is Trade Finance?

Trade Finance is something many NI Businesses may not be aware of as up until recently it wasn’t an available option. In response to on-the-ground feedback, local funder, Upstream disrupted the market in 2018 by introducing a brand new Trade Finance option for clients. Here, Judith Totten (MBE) MD and founder of Upstream explains what… Read more »

Upstream The First To Bring Trade Finance To NI

Upstream is the first funder in NI to introduce Trade Finance support for local businesses… The market-first solution gives business owners the ability to finance their working capital needs from supplier to buyer. Upstream’s Managing Director Judith Totten believes the new offering will plug a gap in the market and remove barriers to trade growth… Read more »

Judith Totten MBE joins a SERIOUS Board…

Leading local businesswoman, Judith Totten, who was recently announced as a recipient of an MBE, is to join the board of SERIOUS PR. Ms Totten who is founder and Managing Director of Upstream and a board member of Invest NI will serve as non-executive chair of the award-winning PR firm. She joins as SERIOUS marks… Read more »

Reflecting On 2017 And Looking At The year Ahead…

Judith Totten (Managing Director, Upstream Working Capital) along with Kirsty McManus (IOD), and Angela Magowan (CBI) reflect on 2017’s economic challenges and look to the year ahead on the BBC’s “Inside Business” with Wendy Austin. Listen to the Podcast here:

Uncertainty over the Irish border is putting jobs at risk

A very sobering read in The Times from the CBI Director-General Carolyn Fairbairn… Since the prime minister’s Lancaster House speech, where she confirmed that the UK would leave the single market and customs union, the Irish question has been hovering in the background. On Monday, it flared into the political spotlight, bringing with it new… Read more »


But for how long, and at what cost?… Uncertainty over the outcome of Brexit negotiations has prompted a fall in business confidence among accountants, a survey claims. A member poll by the Association of Chartered Certified Accountants, (ACCA) released on Wednesday, found 49 percent are feeling less confident than a year ago, with a fifth… Read more »


MANY small businesses are turning to alternative finance options to support their growth plans in 2018, research suggests. A poll of 1,000 small business owners by Payments Company ‘Worldpay’ found 52% are concerned that traditional routes to finance, including bank loans, might not be available at the same levels in the coming year. Nearly a… Read more »