Merchant Cash Advance - cash flow help - - commercial mortgages, bridging loans & property funding

The problems with business funding

My shop’s rented

No security can mean no loan for so many businesses, but using our merchant cash advance the loan is secured against your monthly sales (and maybe a guarantee) so any business can apply.

I’ve already been rejected

If you’re making more than £5,000 of sales through your card terminal each month and have been in business for more than three months then the chances are we’ll have your funding request approved within 24 hours and the funds you need, in your account, the next day.  What could be more simple?

I get constant invitations from the providers why not go direct?

Of course if you have time to run a finance application, and shop around the different lenders and loan products in the market then that’s great, but most of our customers value the fact that we know where to go to get the best funding deal, first time and we’ll deal with everything until the cash is in the bank.

We have built up a great relationship with the team at Acorn, and they have made all our business purchases very straightforward.

Dennis & Maggie Cottam 3 businesses purchased with the help of

The mistakes business owners make…

Asking for too much

Consider how much you really need, this form of funding is not cheap so be realistic with yourself.

Asking for too little!

Crazy as it sounds – not borrowing enough for your business is virtually as risky as borrowing too much.

Make sure you’ve got enough to do the job, don’t leave it half finished!

Not being fully prepared!

We’re going to need to understand your business takings, bank statements and merchant accounts help us to select the best lender for your circumstances and get the funds into your account quickly.

Not checking your credit file!

Having bad credit is not the end of the line when it comes to applying for a loan for your business – but not disclosing it can be a major problem.

Check all directors credit before applying and, if there’s something wrong, forget your bank, start working with us immediately.

Not thinking about cash-flow

A typical business loan has a fixed payment per month, great if that suits your cash-flow but so many businesses are seasonal.  Our Merchant Cash Advance is repaid by a percentage of your sales, so you pay more in a busy month, less in a quiet month.

Not checking the terms!

A business loan can be a major commitment, understand what you are signing and if in doubt get an expert to explain it to you.

Only going to The bank

With over 90% of applications approved getting a rejection from your own bank is no barrier.

Working with is better

Only 3 months minimum trading

£3,000 minimum card turnover per month

Flexible repayment options

The best Return on Investment (ROI)

Working with the best lender for your particular proposition means that your business gets the funding needed quickly.

We do all of the background work with one or more lenders leaving you to run your business.

Saving you time – getting the funding you need faster

By working together we’ll;

  • Gain an understanding of your needs, skills and experience.
  • Work with you and to find and arrange the perfect funding solution.
  • Get the right application pack into the right hands quickly.
  • Work with all the relevant professionals to ensure things progress.
  • Keep working until the day you move in, and beyond.

I got the best deal and the best service

Jillie Stross – past and future customer

Funding options – business finance

Cash-flow funding

Very quick and easy process which has now enabled me to grow my business. Wouldn’t use anyone else!

We also arrange property finance

We have used for over 20 years and can’t recommend them enough, very knowledgable, efficient, friendly and would definitely use them again

Les Kynes – past and future customer

Opportunities to work with work with a broad variety of introducers from a broad variety of sectors including;

  • Business transfer agents
  • Estate agents
  • Accountants
  • Solicitors
  • Mortgage Brokers
  • Financial Advisors
  • Insolvency Practitioners
  • Business Consultants
  • Coaches

As one of the UK’s leading commercial brokers, is growing our regional representation.

We’re looking for entrepreneurial business to business experts to join our rapidly expanding team in order to meet our mission of Every business & Every Investor having access to the best possible funding sources.

Working with a broad selection of bridging lenders in the regulated space and Together Residential Mortgage, can package the cases your network stops you processing.

Superb service from the first phone call to the final transaction. Acorn were fantastic and we would never of got funding without them, we are now in our third year of trading and business is great.

Lisa Whitney – 5* Customer review

Contact – call us free

344 – 354 Gray’s Inn Road



Redwood House

Brotherswood Court

Almondsbury Business Park

Bristol, BS32 4QW,

Peter House

Oxford Street


M1 5AN

No 2 Wellington Place



83 Princes St.



Or complete our contact form and we’ll contact you.

Small business loan

Low minimum turnover

Flexible repayment terms

No minimum time trading

Security not always needed (only a Personal Guarantee)

Flexible facility

Extend or replace your overdraft

Use, repay and re-use the facility

Working capital, equipment, wages or growth

Merchant cash advance

Borrow against future card sales

Flexible repayment options

Pay a percentage of card sales

Less for a quiet month, more if you’re busy

Traditional lenders

As a whole of market broker we have access to the major banks and fintech lenders.


We can also access all the crowdfunding platforms offering;


Equity investments

Rewards and gifts