Helping Businesses Go Further
UMi Debt Finance Scotland provides loan capital to small and medium sized businesses across Scotland.
The £12m fund, part funded by the EU, helps accelerate the growth of businesses in Scotland, complementing other private and public sector forms of funding. Our mission is to enable businesses in Scotland to grow and thrive and to boost the Scottish economy.
Flexible Business Loans

Borrow £25,001 to £250,000 (subject to approval)

3-year repayment terms

6.5-12% interest fees

No hidden fees

Why it is different?

Quick and easy


With the streamlined application process you can complete your loan application within minutes. 

Fast decision-

making process

Due to our optimised decision making process we can guarantee a turn-around in under 20 days.  

Tailored loan


We create a loan agreement based on your business needs and provide unsecured and secured borrowing options.



You are supported by a relationship manager and can leverage UMi to promote your business. 

Expression of Interest

Please answer the following questions and submit your expression of interest. Our team will be in touch with more details.

Are you an incorporated business based in Scotland or planning to open a business in Scotland?*
Are you an SME?*
Are you seeking a loan to grow a business in Scotland?*
Does your business operate in an eligible sector?*
Does your business meet the definition of an undertaking in difficulty?*

As part of the due diligence process associated with UMi Debt Finance Scotland loan applications, all Directors of your business will be asked to provide a Consent to Credit Check. This will be a review of their past and current financial behaviour that considers any sources of credit recorded against their name, including but not limited to credit cards, utility bills, mobile phone contracts and mortgages.

A signed application and 'Consent to Credit Check' form will be required for each application. These documents can be found here.

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Partners & Supporters

Atrium Business Centre

North Caldeen Road




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Scottish Growth Scheme – UMi Debt Finance LP (LPN: SL33350 and principal place of business: 15 Atholl Crescent, Edinburgh, EH3 8HA), operated by UMi Investment Ltd (a company registered in England & Wales with CRN: 11534427 and registered office address at Spectrum 6, Spectrum Business Park, Seaham, County Durham, SR7 7TT) and trading as UMi Debt Finance Scotland at The Atrium Business Centre, North Caldeen Road, Coatbridge, ML5 4EF.