Getting started in business

With 20 years experience and 5  Best Broker awards, Acorn.finance are your perfect choice to fund your business purchase or start up

Growing my business

Our whole of market approach makes Acorn.finance the perfect partner for your business growth plan – property – vehicles – equipment – cash-flow.

Buying Property

Buy to let property investment maintains it’s strength as a means to obtain a regular income and an opportunity for capital gain as property values increase.  Acorn.finance work with professional investors with property portfolios, property developers and renovation experts as well as those starting out in the market.

Property development, refurbishment or conversions

For property professionals looking to grow their portfolio in the most profitable way, developers or for a property “flip” – Acorn.finance have access to the very best bridging loan providers, commercial buy to let mortgage providers, peer to peer lenders and major banks to ensure your project gets the best funding for growth.

Grow my portfolio

With access to all the major funders in the property and investment market, Acorn.finance are here to ensure your funding meets your long and immediate needs.

Acorn.finance are experts in arranging the purchase of all types of business;

  • Hospitality Sector;
    • Pubs & Bars
    • Hotels, Guest Houses and Bed & Breakfasts
    • Restaurants, Cafes and Take-aways
  • Retail
    • Convenience Stores
    • Newsagents
    • Grocers, Bakeries, Butchers and other food retail
    • General retail space
  • Medical and Care Sector
    • Buy-ins for new partners in Medical, Dental and Veterinary practices
    • Care homes for the elderly and the under 65s
    • Day nurseries and schools
    • Domiciliary care providers
  • Service sector
  • Manufacturing

Our product range for these purchases includes;

  • Commercial mortgages – we’re a “whole of market” broker with access to all the high street banks, challenger banks, private lenders, peer to peer crowdlending platforms and certain industry-specific funding sources such as breweries.
  • Business Loans – for leasehold businesses or sectors without a “fixed” office address there are a range of lenders offering unsecured business loans or the option to secure against a customer’s residential or other property.  We also work with providers offering the Enterprise Finance Guarantee scheme operated by the government which can help get better terms or a loan offer when security would be expected but is not available.
  • Asset finance – Lease of equipment & vehicles
  • Trade finance – Invoice discounting, Factoring, Import and Export funding
  • Start-up loans

Acorn.finance - enabling growing businesses to achieve their potential

  • Hospitality Sector;
    • Pubs & Bars
    • Hotels, Guest Houses and Bed & Breakfasts
    • Restaurants, Cafes and Take-aways
  • Retail
    • Convenience Stores
    • Newsagents
    • Grocers, Bakeries, Butchers and other food retail
    • General retail space
  • Medical and Care Sector
    • Buy-ins for new partners in Medical, Dental and Veterinary practices
    • Care homes for the elderly and the under 65s
    • Day nurseries and schools
    • Domiciliary care providers
  • Service sector
  • Manufacturing

Our product range for these purchases includes;

  • Commercial mortgages – we’re a “whole of market” broker with access to all the high street banks, challenger banks, private lenders, peer to peer crowdlending platforms and certain industry-specific funding sources such as breweries.
  • Business Loans – for leasehold businesses or sectors without a “fixed” office address there are a range of lenders offering unsecured business loans or the option to secure against a customer’s residential or other property.  We also work with providers offering the Enterprise Finance Guarantee scheme operated by the government which can help get better terms or a loan offer when security would be expected but is not available.
  • Asset finance – Lease of equipment & vehicles
  • Trade finance – Invoice discounting, Factoring, Import and Export funding
  • Start-up loans

Acorn.finance - property finance specialists;

  • Specialist buy to let mortgages when;
    • Properties need refurbishing before letting
    • Properties are of a non-standard construction
    • Flats above retail or food outlets
    • Customer’s income profile does not fit the normal parameters
    • Customers have poor credit
  • Buy to let mortgages for;
    • Limited companies
    • Trusts
    • Ex-pats and offshore vehicles

Our product range for these purchases includes;

  • Buy to let mortgages from;
    • Traditional banks
    • Challenger banks
    • Peer to peer funding sources
  • Short-term funding from;
    • Traditional banks
    • Challenger banks
    • Specialist bridging lenders
    • Peer to peer crowdlending platforms

Finance for property professionals

  • Development;
    • New build residential
    • Commercial property development
  • Conversions
    • Commercial to residential conversions
    • Conversion to HMO (House of Multiple Occupancy)
    • Conversion to flats
    • Other change of use
  • Refurbishments
    • Minor cosmetic refurbishments
    • Major structural alterations, underpinning and sub-standard properties

Our product range for these purchases includes;

  • Short term finance from;
    • Specialist development lenders
    • Bridging finance lenders
    • Challenger banks
    • Peer to peer crowdfunding platforms
    • Traditional banks
  • Medium to long-term mortgages
    • Challenger banks
    • Peer to peer crowdfunding platforms
    • Traditional banks

Growing your property portfolio?

  • Get the best from your current portfolio;
    • Extracting equity from current properties
    • Improving lending terms and interest rates
    • Reducing costs to improve working capital
  • Improving the quality of the portfolio
    • Extension and conversion of units
    • Improvements to the positioning
  • Add to the portfolio
    • Unlimited options for growth

Our product range for portfolio owners includes;

  • Buy to let mortgages from;
    • Traditional banks
    • Challenger banks
    • Peer to peer funding sources
    • Mortgages based on commercial values (for HMOs and commercial property)
  • Short-term funding from;
    • Traditional banks
    • Challenger banks
    • Specialist bridging lenders
    • Peer to peer crowdlending platforms

Why customers like you choose Acorn.finance

 

Our experience of 20 years making purchases happen

Our award-winning approach to business and property finance

Our 5* customer service

We understand your problem, then help the lender to understand.

Don’t just take our word for it

acorn.finance is an award winning finance broker, here are a few testimonials from our clients;

Award winning finance broker

Commercial Broker of the Year – 2017. (Corporate LiveWire)

UK Commercial Mortgage Broker of the Year – 2016, 2015 & 2014. (M&I International)

Commercial Mortgage Broker of the Year – 2013 (Business Moneyfacts)

Shortlisted – Commercial Mortgage Broker of the Year – 2014 & 2015 (Business Moneyfacts)

acorn.finance awards

Security

Acorn Commercial Finance (Acorn.finance) is authorised and regulated by the Financial Conduct Authority (FCA) – #660207

We are also full members of the National Association of Commercial Finance Brokers.

Although most of the commercial mortgages, business loans, buy to let mortgages, bridging finance and property development loans acorn.finance arrange are not regulated by the Financial Conduct Authority we take our responsibilities as a professional broker very seriously and apply the highest standards of customer service and advice to every case, regulated or not.

Strict code of practice

As members of the NACFB since 1997, our ethos has always been to adhere to their Code of Practice in every aspect of our business.

The NACFB has operated an industry recognised Code of Practice since 1992 which endorses best practice in the industry. All NACFB brokers agree to abide by the Code of Practice which ensures that you have the guarantee that Acorn.finance will always operate professionally and in your best interest.

About Acorn.finance

Founded in 1997 by father and son team Tom and Paul Thompson, Acorn Finance have long been one of the leading finance brokers in the small business and property sectors.
We’re a multi-award winning team with 7 “best UK broker” awards in the last 6 years and have been featured on the BBC Inside Out programme to show best practice in the commercial lending sector.

Acorn’s specialist knowledge of small businesses marked us out as the “go to” broker for any trading business but especially those in the hospitality sector which resulted in Acorn Commercial Finance becoming the only finance provider asked to join the BIIAB (British Institute of Innkeeping Advisory Board).

We work harder to find the funding you need to thrive

Acorn.Finance (Acorn Commercial Finance previously) have been funding commercial and investment property since 1997.

As a small business just like you, the  Acorn.finance team understands the needs and time pressures of the buy to let property investor, developer or business owner.

Our mission is to give every business owner, property investor or developer access to the finance they need to thrive and grow.  In a broad and fragmented market with more lending sources than ever,  it is no longer an option to rely on the products of just one lender for the life of a business, lenders are many and varied.  Our role is to help you find the very best funding package to fill your needs, and to have the funding available to you, just when you need it.  To do that we work across the whole of the finance market, from the high street banks and challenger banks through to crowdfunding providers (including our own) and sometimes private equity and businesses angel investors.

Whether you are growing your business or investment portfolio or just starting out then finance is of vital importance and getting the best deal can easily be the difference between growing or not or even failure.  Our experts take time to understand your needs and aims in both the long and short term before recommending you a product which we believe is the best one to achieve your aims. By taking that time to understand your needs we also work more closely with our lenders than most brokers, that means we have a market leading level of success with more applications going through to a successful completion and more of our clients go on to long-term success.

Contact us

Contact Acorn.finance

Call us free on 0808 164 2364

Or – to arrange a convenient time for an initial call – Click here

London

344-354 Gray’s Inn Road

London

WC1X 8BP

Leeds

2 Wellington Place

Leeds

West Yorkshire

LS1 4AP

Bristol

Redwood House

Brotherswood Court

Almondsbury Business Park

Bristol

BS32 4QW,

Edinburgh

Conference House

152 Morrison Street

The Exchange

Edinburgh

EH3 8EB

Manchester

Peter House

Oxford Street

Manchester

M1 5AN

Or – please complete our enquiry form to give us a few details and we’ll get back to you;

Your Details

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Acorn.finance may use these details for marketing of the above product areas

Acorn.finance – property funding

Your property business is unique so doesn’t it make sense to have property finance which fits perfectly?

Reject the one size fits all mentality of the big banks and open up to bespoke funding solutions for your future aims and objectives.

Property funding designed for your needs

With over 21 years experience funding experience working everyone from small investors and developers to large trusts and institutional borrowers Acorn.finance’s access to the whole market and our bespoke approach to each case means our experts to work with you to meet your immediate needs and to work towards your long-term goals.

Our key product areas in property finance are;

Bridging finance

A bridging loan is a short-term funding product secured against property. Bridging loans are repaid from the sale proceeds of the property or by moving onto another finance product, a long-term mortgage or development finance.

Being a short-term finance product a bridging loan has different lending criteria to a mortgage and thus can be used in many different circumstances;

  • Auction purchases
  • Under-value purchases
  • Buying before another property has sold
  • Business cash-flow
  • Repayment of other debt
  • Breaking property chains
  • Capital raising

Investment Mortgages

Buy to let mortgages & commercial investment mortgages

Commercial Mortgages

A commercial mortgage is a loan secured on your business premises or on a business or property you are purchasing.

Working with Acorn.finance is like working with your own bank manager but to the power of 250!

We have a wide variety of lenders to choose the best commercial mortgage for your specific circumstances. So if you are looking for the best commercial mortgage interest rate or the lowest deposit for a purchase we have a lender to suit your business needs.

Acorn.finance can arrange a commercial mortgage for any purpose including;

  • Purchase of a business
  • Purchase of premises for your existing business
  • Capital raising for any (legal) purpose
  • Moving to the best interest rate to reduce payments
  • Extending the lending term to reduce payments

Development, Refurbishment or Conversion

If you are developing or improving property then the funding needs to fit your needs and not the other way around.

Working with a full range of specialist lenders means that once we understand your plans for the property, how much you will need and when then we’ll work with a lending source to develop a bespoke financial package.

Portfolio finance

Since 2017 portfolio borrowers (those with 4 or more residential investment properties under mortgages) have a number of stringent criteria to meet with most lenders in the market.

Acorn.finance – working with a wide variety of lenders are able to work to arrange finance quickly and efficiently and to meet your individual needs.

Mezzanine financing

Where there’s a shortfall between development funding, the owner’s capital and the requirement to finish the development, mezzanine funding can fill the gap.

If you have a successful track record in property development and a funding gap – talk to us about mezzanine finance.

There are almost 5.5 million small businesses in the United Kingdom and Acorn.finance are on a mission to ensure every one of them gets the funding they need to grow and thrive.

Accessing the right business funding for your growth plans.

Acorn.finance have more than 21 years funding small businesses just like yours and have access to the whole funding market.

Working with small businesses is a huge range of lending requirements and amounts – so it’s only once we’ve got to know you and your business needs that we’ll recommend a business finance package to you.

Our key products for business finance;

Business loans

Invoice finance

Invoice discounting and factoring

Asset finance

Equipment and vehicle leasing and lease purchase.

Crowdfunding

Pension based finance

Revolving cash facilities

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