The Opportunity Fund

Highland Opportunity Limited offers loans at interest rates lower than commercial bank rates, currently set at 5% on outstanding amounts, to new and growing businesses in the Highland Council area of Scotland. The priority is for loans from £1,000 to £50,000 which can be unsecured where there is a strong business plan. Loans over £50,000 and up to £250,000 will only be considered where there is a sound security over a business asset and there is a compelling case for economic development in the Highlands.

Repayment periods up to 7 years are acceptable, depending on loan size. Highland Opportunity loans are intended to be part of a finance package which makes business starts or growth happen where otherwise they might not.

Exceptionally and where there is a business with high growth prospects and a clear investment exit route, equity investment may be considered.

Applicants should approach Highland Opportunity Limited in the first instance to discuss requirements. Application forms are available from HOL or can be downloaded from the Forms and Documents Page of this website. Prior to considering a loan application, Highland Opportunity will arrange a visit from a Business Advisor to go over the business plan in detail. The report of the Business Advisor will be considered by the Board of Highland Opportunity, as part of the application process. The Board’s decision is final.