Independent Finance Specialists

Funding Your Vision, Delivering Your Future.

Tailored finance solutions for property developers, business owners, and homeowners. We simplify the complex to get your project moving.

What's your funding need?

Six Steps to Getting You FUNDED

Our proven framework to take your project from initial facts to successful drawdown.

FACTS

F

We deep-dive into your project goals to build a solid funding foundation.

understanding

U

Our expert brokers take the time to understand every aspect of your project to create a customised funding plan.

needs

N

Once objectives are established, we match your needs with a panel of more than 450 lenders.

discussion

D

We discuss your case with a shortlist of lenders to navigate quirks and secure the best funding options.

execution

E

Our team ensures all underwriting requirements are met to get your funding formally agreed.

deliver

D

We continue working with lenders and solicitors to solve problems and ensure funds draw down on time.

Acorn.finance for your Business

Funding that actually fits your business.

Whether you’re expanding, buying property, stock, equipment, or need working capital, we’ll find the right lender and negotiate on your behalf — not the bank’s.

Fast, flexible and personal.

The Funding Your Business Needs

Commercial Mortgage

Own your business premises instead of renting. Secure long-term funding to empower growth and eliminate rent.

Discover smarter property finance

Secured Business Loan

Unlock higher capital and lower rates by using assets as collateral, allowing you to fuel growth while staying in control.

Access Capital Now

Merchant Cash Advance

Fast cash tied to card sales with no fixed repayments or collateral needed—ideal for retail cash flow.

Get Quick Cash

Invoice Finance

Turn unpaid bills into immediate working capital to keep your business moving while waiting for customer payments.

Release Cash Now

Asset Finance

Acquire essential machinery, vehicles, or technology without upfront costs by spreading the expense over time.

Finance Your Assets

Homeowner Business Loan

Unlock business growth capital by securing loans against your home equity, often at more affordable rates.

Unlock Your Equity

Crowdfunding Finance

Raise capital from the "crowd" to validate your idea and generate pre-sales without taking on traditional debt.

Meet Your Crowd

Acorn.finance for Property

From commercial investments to semi-commercial or development projects, we help you structure finance that works harder for your portfolio.

Access lenders you won’t find on the high street — and deals that help you scale faster.

What's your next property funding need?

Bridge the Gap Fast

Rapid capital for auctions and time-sensitive opportunities before they slip away.

Get Fast Funding

Refurbish for Profit

Funding up to 100% of works costs to transform tired properties into high-value assets.

Fund Your Project

Build from the Ground Up

Staged funding for new developments, turning your vision into a profitable reality.

Fund Your Development

Maximise your BTL returns

Expertly navigated BTL mortgages with competitive rates to grow your rental portfolio.

Build Your Portfolio

Invest in Commercial Property

Specialized mortgages for offices, retail units, and warehouses with high borrowing limits.

Invest in Commercial

Seamless Refurbs

One solution: short-term bridging with a guaranteed BTL exit once the refurb is complete.

Start Your Refurb

Revolving Capital on Demand

An "overdraft for property"—draw, repay, and reuse funds instantly for your next project.

Unlock Revolving Credit

Funding Without the Wait

Access capital based on rental income—no legal delays, no valuations, no mortgage headache.

Get funded today

Acorn.mortgage - your mortgage broker

In addition to being a leading business and property finance broker, we also have a home finance department.

We offer mortgages from First Time Buyers through to Equity Release.

What type of mortgage do you need?

Your First Front Door

Expert guidance to unlock schemes and turn your dream of owning a first home into reality.

Mortgages for First Time Buyers

Affordable Ownership

Own a share and pay part rent—making homeownership accessible with a smaller deposit.

Shared Ownership Mortgages

Family-Backed Funding

Leverage family support to unlock better rates and higher loan amounts despite limited credit.

Guarantor Mortgages

Invest While You Study

Help parents purchase university accommodation, building an asset instead of paying rent.

Student Mortgages

Seamless Relocation

Competitive rates and expert guidance to make your next house move smooth and stress-free.

Mortgages for moving

Beat The Variable Rate

Secure a new deal before your fixed term ends to save thousands and release equity.

Compare Remortgage Deals

Build Your Dream

Bespoke funding released in stages as your construction takes shape.

Self-Build Mortgages

Move on Your Terms

Rapid capital for auctions, downsizing, or renovating your new home before moving in.

Bridge Your Gap

Unlock Your Home's Value

For homeowners aged 55+, turn property value into tax-free cash for a more comfortable future.

Equity Release Mortgages

Complex Income Experts

Specialised lending for business owners and freelancers whose income doesn't fit the standard box.

Self-Employed Mortgages

Meet the Acorn.finance & Acorn.mortgage Team

Your funding advisors;

Paul Thompson

Foy Mach

Adrian McClaren

Dinesh Ghimire

Acorn . finance & Acorn . mortgage – Frequently Asked Questions

Everything you need to know about Acorn.finance

Call Us Now

How fast can a Bridging Loan be completed?

We thrive on speed; terms are often secured within 24 hours for auction deadlines.

How do staged payments work?

Funds are released in tranches as your build hits milestones, keeping your cash flow efficient.
This can reduce the amount of interest you pay as it’s only charged on funds the lender has paid out to you.

What is the maximum LTV available for a multi-unit block?

We can typically secure up to 75-80% LTV for multi-unit blocks, including specialised HMOs and commercial-residential mixes, depending on the asset’s yield.
We have lenders who will work on the commercial value (yield based) – so check with us to see if your block qualifies.

Do I need to provide a personal guarantee for business finance?

While many unsecured lenders require a PG, we work with several specialists who offer non-recourse options or asset-backed lending where the security is the equipment or invoice itself.
We can also insure against a PG being called in, giving you a little extra security.

How quickly can an Unsecured Business Loan hit my account?

For established businesses with clean digital accounting, we can often secure approval and ‘same-day’ funding within hours of the application.

Can you help with Asset Finance for used machinery or vehicles?

Yes. We specialise in ‘refinancing’ existing assets or funding high-value used equipment from non-VAT registered sellers, which many high-street banks refuse to touch.

Can I get a mortgage if I’m self-employed?

Absolutely. We specialise in complex income and use lenders who look at the ‘real’ numbers.

Will an Equity Release plan affect my state benefits or inheritance?

Equity Release can impact means-tested benefits. We provide a full discovery session to ensure your plan includes a ‘No Negative Equity’ guarantee and a ring-fenced inheritance for your family.

Can I use a Homeowner Bridge to buy at auction before my current house is sold?

Absolutely. This is our ‘Chain-Breaker’ solution—it gives you the cash-buyer status needed for auctions, allowing you to move into your new home while your current property sells on the open market.

Are you restricted to High Street lenders?

No. We access a vast network of more than 450 private and specialist lenders. Most of whom you won’t find on the high street.

Why use Acorn.finance instead of going directly to my bank?

A bank only has its own products; we have the entire market. We often access ‘intermediary-only’ rates and boutique lenders that aren’t available to the general public.

How are your fees structured for complex finance deals?

We are fully transparent. Depending on the deal, we may receive a commission from the lender, a success fee from the client, or a combination—all of which is disclosed upfront before you commit.

Latest business finance & mortgage market news from Acorn.finance

Budget 2025: What Small Business Owners Need to Know

The Chancellor delivered Budget 2025 on November 26th, and while the government focused on "growth" and "stability," the reality for small business owners is more ...more

Limited Company vs. Personal Name: The Ultimate Buy-to-Let Guide

Navigate Section 24 Tax Changes and Choose the Right Structure for Your Property Portfolio With recent tax changes, many landlords are asking: “Am I ...more

Unlock Your Buy-to-Let Potential

Getting the Best Buy-to-Let Mortgage: Your Comprehensive Guide Unlock the Door to Smarter Property Investment Welcome to Acorn.finance’s essential guide for navigating the dynamic buy-to-let ...more

Holiday Let Investments – 2025 and beyond

Furnished Holiday Lets In The Rachel Reeves’ World The landscape for Furnished Holiday Lets (FHLs) has shifted. As of April 2025, the distinct tax advantages ...more

Why Overseas Investors Are Eyeing UK Property: Rate Cuts and Market Opportunities

This week brought significant news for international property investors: a specialist lender announced rate reductions of up to 1.50% for overseas investors purchasing UK property. ...more

First Time Buyer Mortgage & 100% Mortgages: Your Path to Homeownership

100% mortgages are back! Not since 2010 have there been so many amazing options for first time buyers with no deposit or a low deposit! ...more

Acorn.finance - your broker partner

At Acorn.finance, we love working with other brokers on specialist or unusual cases — the ones the high street tends to turn away. Whether it’s a semi-commercial property, a complex development, or a client with multiple income sources, our team and panel of lenders are set up to find solutions where others see roadblocks.

Alongside our broker collaborations, Acorn.finance is growing nationally through our franchise network, giving experienced finance professionals the chance to build their own local business under an award-winning brand. Our franchise partners get full access to our systems, lender relationships and marketing support — so they can focus on what really matters: helping clients raise the right funding to grow their businesses and portfolios.

Work With Us

Start Your Franchise

We’re expanding nationwide through our franchise network, giving ambitious finance professionals the tools, training and brand power to grow their own brokerage. Join an award-winning team that’s transforming how small businesses and property investors access funding.

Join Our Network

Let's Work Together

At Acorn.finance, we team up with other brokers on complex or specialist cases — the deals that need experience, lender access and creative thinking. From semi-commercial properties to quirky business loans, we help you deliver for your clients when traditional routes can’t.

Refer a Specialist Case

Verify You're on the Right Site

London | York | Newcastle | Sheffield

Quick Links

More Info

Authorised and regulated by the Financial Conduct Authority

Full member of the National Association of Commercial Finance Brokers

Not all financial products we arrange are regulated by the Financial Conduct Authority. For more information discuss with your broker or contact us.

We are a UK-based brokerage established in 1997 and are not affiliated with any other entity trading as Acorn Finance in the US or historically in the UK.