A major new commercial finance provider is operational in Ireland providing non-banking funding for businesses.  Belfast Commercial Funding has already made loans totalling £28m to businesses across Ireland, north and south and is the first non-bank lender to be founded in Belfast.

Belfast Commercial Funding entered the market in response to a clear demand for new sources of funding for businesses unable to access finance from traditional sources.  BCF was established by Gareth Graham, founder and Chief Executive of Oakland Holdings, which in 2021 sold Merchant Square in Belfast in the largest private sector commercial sale to date in Northern Ireland.  The Merchant Square development was completed in 2020 and is let entirely to PwC in what is now the consultancy giant’s largest UK office outside London.

Gareth Graham explained how his Merchant Square experience led to the establishment of Belfast Commercial Funding,  

“We planned to develop Merchant Square as the highest quality commercial office in Northern Ireland, but when we sought funding support from the traditional sources we either could not get a timely response or we received a flat ‘no’.  However, due to the scale of the project we were able to secure funding from London and New York.  We had experienced the challenges of funding smaller projects following the Global Financial Crisis and this led us to commence funding operations on a small-scale in 2016.  The sale of Merchant Square allowed us to commit substantial capital and establish BCF as a significant source of funding.

BCF has supported four southern based borrowers to date and provided facilities for Bridging needs, Site Acquisition funds and Debt resolution."

Belfast Commercial Funding has now recruited a strong professional team to head up the enlarged organisation at its city centre headquarters. Belfast Commercial Funding is active throughout Ireland with borrowers located from Coleraine to Cork.

Adam Dickson, Head of Underwriting said  

“We are open for business and providing development, bridge, agriculture and SME finance to borrowers in the GB and Ireland, north and south.  We have significant capital to deploy and within our team have the experience, expertise and dynamism required to quickly assess proposals and come to a decision.  We will typically have terms issued within 48 hours and have loans drawn as quickly as two weeks after an enquiry.  Having come from a development background we know the importance of a lender’s commitment to a business, whether that be development or a stable source of capital for SMEs.  We have advanced loans in both Euros and Sterling ranging from €/£200,000 to €/£3m, to a range of businesses who are already making a positive impact on the wider economy.

“Coming out of the pandemic and with society returning to a degree of normality, it is an exciting time to be involved in supporting new and established businesses.  We want to see the economy growing across Ireland north and south I would encourage any business or advisor looking for new funding avenues to get in touch.”

For more information on Belfast Commercial Funding go to

For media queries on this press release contact

Brendan Mulgrew

Managing Partner
MW Advocate
Tel: 02890 267072 / 07767 393252


Belfast Commercial Funding is a 'Business to Business' lender only.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Wellington Buildings,
2-4 Wellington Street,

T: +44 (0) 28 9076 7127