Revolving Flexi-Facilities
Borrow up to £500,000 with flexible drawdowns. Pay interest only for the exact days you use the money. No early repayment fees, instant top-ups, and approvals within hours based on Open Banking data.
Acorn Corporate Desk · Unsecured Business Loans & Recurring Revenue
Fast Unsecured Business Loans & Flexible Working Capital Lines
Access £10,000 to £500,000 in fast working capital through our leading specialist lender panel. Secure fast decisions in 2–24 hours with zero physical asset security required.
Specialist product panel
Four Flexible Routes to Working Capital
Flexible Term Loans
Unsecured loans from £10,000 to £500,000 over 3 to 60 months. Features penalty-free early repayments, top-up facilities, and top-tier flexibility including repayment holidays tailored to seasonal cashflow.
Fixed-Rate Term Loans
Fixed-rate unsecured term loans up to £500,000 over 6 months to 5 years. Predictable monthly repayments, no early repayment charges, and fast decisioning within 24–48 hours for established UK trading businesses.
Merchant Cash Advance & SaaS/MRR Lines
Repayments automatically fluctuate with daily card terminal sales or monthly subscription contracts, protecting cashflow during quieter months.
Interactive unsecured loan modeller
Model borrowing capacity, repayments and early-settlement savings
Adjust your requirement and business profile to compare an indicative facility before requesting a partner-panel appraisal.
Section A · Loan requirement
£150,000
£10,000£500,000
24 months
6 months60 months
Section B · Business eligibility snapshot
£1,200,000
£100,000£5,000,000
Real-time borrowing position
Indicative unsecured facility
- Max Unsecured Loan Capacity
- £240,000
- Estimated Monthly Repayment
- £7,409
- Projected Total Interest Payable
- £27,819
- Early Repayment Savings Estimate
- £7,631
Flexibility Advantage
Many of our unsecured facilities carry £0 early repayment penalties, allowing you to settle early and eliminate interest at any time.
Illustration uses a 16.9% annual rate and a 10%–20% turnover capacity assumption. MCA repayments fluctuate with revenue and do not carry the same early-settlement saving.
Apply NowCheck Unsecured Loan Eligibility Across Our Partner Panel
Convert your calculations into a formal Unsecured Loan Appraisal. Our team matches your cashflow profile against our entire specialist lender panel in under 2 hours.
Regulatory & tax position
Important Unsecured Borrowing Notice
Important Unsecured Borrowing Notice
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or chartered accountant. Unsecured commercial loans and recurring revenue facilities are subject to trading turnover history, bank statement underwriting, and director personal guarantee requirements depending on the lender. Unsecured loan interest and arrangement fees are generally treated as tax-deductible operating expenses.
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