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


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

Acorn.finance office locations


Acorn.finance – London.

344-354 Gray’s Inn Road



Serving London, the South-East of England and East Anglia.


Acorn.finance – Leeds

2 Wellington Place


West Yorkshire


Serving the North-East of England, Yorkshire and Lincolnshire.


Acorn.finance – Bristol

Redwood House

Brotherswood Court

Almondsbury Business Park


BS32 4QW

Serving the South and South-West of England, the Midlands and Wales.


Acorn.finance – Edinburgh.

Conference House

152 Morrison Street

The Exchange



*Please note that we’re moving next month, the post might be delayed so please email scanned documents.

Serving Scotland and Northern Ireland.


Acorn.finance – Manchester

Peter House

Oxford Street


M1 5AN

Serving the North-West of England, the Midlands and Wales.

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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

Secured or unsecured, large or small. The funds your business needs, when you need funding.

With Acorn.finance arranging your finance your loan will be approved quickly and efficiently with the funds in your account when you need them.

Find out more about our business loans offering or get a free quotation.

Invoice finance

There are many forms of invoice finance available through Acorn.finance the main two being Invoice Discounting and Factoring.

Invoice discounting

A major factor in growth finance for businesses, invoice discounting is perfect for almost any “business to business” (B2B) sale where the customer is granted payment terms. Through invoice discounting a lender will advance up to all of each invoice value as soon as it is issued. Thus a growing business has an increasing line of credit rather than a loan which would be decreasing gradually.  You keep all your credit control in-house so in most cases your customers needn’t be aware of it (Confidential Invoice Discounting)


Factoring typically releases 90% of the value of an invoice back into your business. So – when you are growing and taking orders cash-flow is keeping up with demand.

More flexible than an overdraft and available for more businesses than invoice discounting, factoring is truly funding for growth.

Find out more or arrange a free quotation now.

Asset finance

Hire Purchase

The traditional way of purchasing assets and vehicles, perfect if you want to retain the asset at the end of the term.  You’ll have to cover the VAT up front but the monthly repayments are lower.

Finance Lease

To keep an asset long term but off your balance sheet, the finance (or capital) lease is perfect.  The term is flexible but will normally have a discounted purchase option at the end.

Operating Lease

If the requirement for the asset is less than it’s useful life then the operating lease will reduce monthly payments.


A great option to inject some capital into the business or reduce high-interest charges.

Find out more or request your free quotation


The “wunderkind” of the finance world, Crowdfunding has come into it’s own since the Global Financial Crisis since when business owners have found it more difficult to raise finance from traditional sources and savers have looked for better returns on their cash.

With the variety forms of finance (equity investment, crowd lending, rewards lending etc) and providers our experience with the market since the first lenders appeared on the funding scene is paramount to get you the best finance deal for your business.

Find out more about Acorn.finance and crowdfunding or get a free quotation today

Pension based finance

If you have funds locked in a pension plan but your business needs funding then Pension Led Funding could be the answer.

By using a Self Invested Pension Plan (a SIPP) or a Small Self Administered Scheme (SSAS) your pension can invest in your business or property in a variety of different ways, unlocking your savings and helping your pension provision grow for the future.

Find out more about funding through your pension or contact us now for a free quotation

Revolving cash facilities

revolving credit facility works like an overdraft giving your business a pre-defined credit facility which can be used, repaid and then used again for it’s pre-arranged term (normally a year).

Having a flexible facility means only paying interest on the amount you are using, so repaying the facility cuts your interest payments, then when you need funding again, it’s ready for you.

Find out more about a revolving finance facility or get a free quote