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DEBT FUNDING

Whiterock provides flexible debt funding solutions to established and growing SMEs across Northern Ireland. Delivered through the Investment Fund for Northern Ireland (IFNI), our debt solutions support businesses at different stages of growth, from early expansion to larger-scale investment.

Choose the Right Debt Solution

Micro Finance

Best suited to: Smaller businesses with ambition to grow.
  • Smaller loan size £25k - £125k
  • Simpler structure
  • Faster, more accessible funding
  • Ideal for working capital and early growth

Debt Finance

Best for: Established SMEs with a proven business concept.
  • Larger facilities £126k – £2m
  • More structured funding
  • Designed for growth, expansion, and investment
  • Cashflow-led assessment
Read More about Debt Finance Below

What’s the Difference?

  • Micro Finance is designed to provide accessible funding to smaller or earlier-stage businesses that may not yet require or qualify for larger, more structured debt facilities.
  • Debt Finance is aimed at established SMEs with a proven trading history, offering larger loan sizes and more flexible structures to support growth, expansion, or capital investment.

Micro Finance

Whiterock provides micro finance loans to smaller businesses with ambition. This product supports businesses with a proven concept or early trading history that require working capital or investment to scale.

  • Fund: IFNI
  • Fund Size: £60m
  • Loan Size: £25k – £125k

Eligibility

  • SMEs based in Northern Ireland
  • Proven with potential for growth
  • Demonstratable repayment capacity
  • Sector agnostic (with limited exceptions)
  • Complementary to existing sources of finance

Funding Terms

  • Terms typically up to 5 years
  • Monthly Repayments (capital & interest, flat rate)

Process

  • Enquiry
  • Approval
  • Drawdown
A simple, transparent process to deliver accessible finance.

Working Capital

Sales & Marketing

R&D Spend

New Products

Hiring Staff

Capital Spend

New Markets

Discuss Micro Finance with Us

Debt Finance

Whiterock’s debt finance offering provides flexible loan funding to support established SMEs across Northern Ireland. Facilities are designed to align with projected cashflows and longer-term business plans.
  • Fund : IFNI
  • Fund Size : £60m
  • Loan Size : £126k – £2m

Eligibility

  • SMEs based in Northern Ireland
  • Proven with potential for growth
  • Demonstratable repayment capacity
  • Sector agnostic (with limited exceptions)
  • Complementary to existing sources of finance

Funding Terms

  • Terms typically up to 5 years
  • Monthly repayments (capital & interest, plus fee)
  • Flexible structures available to suit cashflow
  • Security typically second-ranking

Process

  • Enquiry
  • Approval
  • Diligence
  • Legals
  • Drawdown
A structured process designed to deliver growth-focused funding.

Working Capital

Sales & Marketing

R&D Spend

New Products

Hiring Staff

Capital Spend

New Markets

Discuss Debt Finance with Us

Not Sure Which Is Right?

If you’re unsure whether micro finance or debt finance is right for your business, our team will guide you through the options and structure funding that aligns with your growth plans. Visit our team page and reach out to a member of our debt team, or alternatively, visit out contact us page and fill out the enquiry form.

DEBT FINANCE

AT-A-GLANCE

Our Debt Finance offering provides flexible loan facilities to established SMEs seeking to fund growth, innovation, or expansion. Facilities are structured to align with projected cashflows and longer-term business plans.
  • Loan size: £126k – £2m
  • Term: Up to 5 years
  • Fund: IFNI (£60m fund)
  • Repayments: Monthly (capital & interest, plus fee)

Common uses of funds

Working Capital

Sales & Marketing

R&D Spend

New Products

Hiring Staff

Capital Spend

New Markets

Eligibility

  • SMEs based in Northern Ireland
  • Proven or emerging business concept with potential for growth
  • Demonstrate repayment capacity
  • Sector agnostic (with limited exceptions)
  • Complementary to existing sources of finance

PROCESS

Enquiry → Approval → Drawdown

A simple, transparent process to deliver accessible finance.
Discuss Debt Finance with Us

NOT SURE WHICH OPTION IS RIGHT?

If you’re unsure whether Micro Finance or Debt Finance is the right fit, our team can guide you through the options and structure funding that aligns with your business stage and ambitions.

Whiterock Debt Team

Neil Mccabe

Partner

Rhona Barbour

Partner

Una Warnock

Investment Director

Jacob McConkey

Investment Manager

Ian Vance

Investment Analyst

Visit Our Team Page