Judith Totten MBE is the founder of Upstream, a business she originally established in 2011 as an independent provider of working capital funding for Northern Ireland SME’s. Prior to establishing Upstream, Judith had a successful career in banking, principally with Danske Bank. 

Upstream currently supports a wide variety of indigenous NI businesses and Judith is driven to see the alternative finance market growing exponentially in the years ahead. The most recent expansion has seen the genesis of Upstream Trade Finance – a company set up to fund the supply chain and trade purchase needs of local companies. This is a unique offering in NI and completes the working capital cycle for many businesses whereby Upstream are now providing 'end to end' finance - from 'Supplier to Buyer'.  

Judith is also a non-exec Board Member of Invest NI, is involved in supporting and fund raising for The Princes Trust in NI and has most recently been appointed Non-Executive Chairperson of Serious PR . As well as being involved as a mentor / advisor to several small business owners, Judith is a respected and recognisable face throughout the province both as a provider of finance solutions for business and as a commentator on the finance market generally. Judith was awarded an MBE in 2018 for Services to Economic Development in NI. 

In her personal life Judith is a busy wife, mother and besotted ‘nanny’ to little Emily.