Acorn Corporate Desk · Working Capital
Business Cashflow & Working Capital
Revolving credit, payroll funding, trade lines and unsecured growth capital — matched to how your business actually uses cash.
Specialised Business Debt
Flexible Working Capital Solutions
Revolving Credit Lines (RCF)
Pre-approved, reusable credit facility from £25,000 to £1,000,000+. Draw down as needed, repay flexible monthly amounts, and pay interest strictly on the active balance deployed.
- Term 6–24 months
- No non-utilisation fee options
- Rapid drawdown once facility is agreed
People, Payroll & Contractor Funding
Designed for recruitment agencies, IT consultancies, and fast-growing service firms. Bridge weekly or monthly payroll commitments while waiting on 60–90 day client invoices.
- Up to 90% invoice advance
- Unsecured & secured lines
- Confidential set-up
Trade & Supplier Lines
Fund domestic or overseas supplier purchases upfront to secure trade discounts, build inventory for peak seasonal demand, and smooth supply chain friction.
- Up to 120 days terms
- Direct supplier settlement
- Single & continuous lines
Unsecured SME Growth Capital
Fast-acting growth loans for established UK businesses expanding premises, purchasing stock, or launching new products without tying up commercial property assets.
- Loans £10k – £500k
- Terms 1–5 years
- Soft credit check initial assessment
Soft search only — never affects your credit score.
Revolving Line vs. Standard Term Loan vs. Invoice Finance
| Revolving Line | Standard Term Loan | Invoice Finance | |
|---|---|---|---|
| Best for | Recurring, unpredictable cash needs | One-off planned investment | B2B firms waiting on unpaid invoices |
| How funds arrive | Draw down and redraw as needed | Single lump sum | Advance against each invoice raised |
| Interest charged on | Active drawn balance only | Full loan amount | Funds advanced against the ledger |
| Repayment | Flexible monthly amounts | Fixed monthly instalments | Settled when customers pay |
| Typical term | 6–24 months, renewable | 1–5 years | Ongoing, rolling facility |
| Grows with turnover | Limit reviewed periodically | No — fixed amount | Yes — scales with sales ledger |
| Get Started | Apply for Revolving Line | Apply for Term Loan | Apply for Invoice Finance |
Indicative features only. Terms, rates and approval are subject to lender underwriting.
Document preparation
SME Cashflow Document Checklist
Document requirements vary by lender and circumstances. Collected documents are not uploaded or verified here.
Lender notes
Lenders assess turnover, cashflow and existing repayments. Download full consecutive statements for the trading account, including all pages; cropped screenshots are often not accepted.
Lenders assess turnover, cashflow and existing repayments. Download full consecutive statements for the trading account, including all pages; cropped screenshots are often not accepted.
Lender notes
Accounts and corporation tax returns support profitability checks. Supply complete versions and ask about management accounts or alternatives if the business has traded for less than two years.
Accounts and corporation tax returns support profitability checks. Supply complete versions and ask about management accounts or alternatives if the business has traded for less than two years.
Lender notes
These show who owes you money and what you owe suppliers. Use a recent report with ageing bands and flag disputed invoices, overdue balances and debtor concentration.
These show who owes you money and what you owe suppliers. Use a recent report with ageing bands and flag disputed invoices, overdue balances and debtor concentration.
Lender notes
VAT returns help reconcile sales and trading activity. Provide all four quarters where available; tell your adviser if you are not VAT registered or use a different filing frequency.
VAT returns help reconcile sales and trading activity. Provide all four quarters where available; tell your adviser if you are not VAT registered or use a different filing frequency.
Lender notes
Explain the business, funding amount, use of funds and repayment plan. For an RCF, include the cashflow cycle and expected drawdown needs; avoid unsupported turnover forecasts.
Explain the business, funding amount, use of funds and repayment plan. For an RCF, include the cashflow cycle and expected drawdown needs; avoid unsupported turnover forecasts.
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Frequently Asked Questions
Acorn.finance is a credit broker authorised and regulated by the FCA (#660207), not a lender. Business loans are not all regulated by the FCA. All facilities are subject to status and lender underwriting.