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Highland Opportunity (Investments) Limited

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Our Purpose & Strategic Aim


Our overarching purpose is to provide accessible business finance and advice to small and medium sized enterprises (SMEs) who are based in the Highlands. Our aim is to support Highland based businesses to start up and grow and contribute to a thriving and sustainable Highland and Scottish economy.

HOIL is a recognised and valued provider of business loan finance and is part of the the Highland Council’s business development service. HOIL is committed to encouraging and supporting enterprise and small business growth within the Highlands. The HOIL Loan Fund is self-financing, thereby investing in Highland businesses in perpetuity.

HOIL prides itself on its flexible and reliable approach as a provider of gap finance to enable businesses to invest and grow. HOIL’s funding investment in Highland businesses has contributed to loan clients securing additional business finance from other lending sources. Generally, every £1 invested by HOIL results in the business sourcing an additional £3 towards their total funding package.

HOIL has an asset base of £2.25m and currently has £1.13m invested in loan finance with 75 Highland business. In addition to its own Loan Fund, HOIL also delivers 2 loan schemes on behalf of the Highland Council. A £1 million Community Loan Fund which offers loan support for community companies, enterprises and community bodies within the Highland Council area and a £240,000 Growing Business Growth Fund for existing business looking to grow or diversify.

HOIL Business