Buying a creative enterprise


Funding – Art, design, digital and other creative business purchases.

Experience | Knowledge | Integrity


Why buy a creative business
Photography | Making | Music | Words | Design

In a world where only 50% of start ups make it beyond 5 years, why not buy a business which has already surpassed that mark and got to the ten, twenty or even hundred year mark?

How to finance a creative business
Loans | Mortgages | Equity | Everything else

While you worry about how you can grow the business and make it your own, we’ll look at the best finance options to make your purchase work.

What to look for
Analysing your business purchase

What do you need to look at when you’re buying a creative business? How do you sort the Rothko from the Notco?


How to fund your business purchase


Funding your business purchase

As a broker, Acorn.finance are constantly looking for ways to achieve your dreams.

With a broad palette of lenders and finance products available to us it’s surprising what funding can be arranged for a business acquisition.

We use our #FUNDED system – to understand the facts, share them with the funding source and deliver on our promises. 

By understanding what you’re buying and how it can be repaid, we’ll be able to work with you to arrange the ideal funding package.

Apply now

Contact us
Photography | Making | Music | Words | Design

In a world where only 50% of start ups make it beyond 5 years, why not buy a business which has already surpassed that mark and got to the ten, twenty or even hundred year mark?


Closed units and disposals


Closed or undertrading units, pub company disposals & new business
Pubs, hotels & restaurants without the requisite accounts

Sometimes you find the perfect business but the current owners just are not trading it to give us the proof we need that you can repay a commercial mortgage.

That can be for a number of reasons; 

  • The unit is closed
  • The unit is being run by tenants or relief management, meaning that the vendor does not have access to the accounts (this is the case when a pub company is selling)
  • The unit has under-traded, due to the retirement of the owners or ill health
  • It’s a brand new site being developed

Whatever the reason, as long as you can produce a comprehensive business plan (we can help with this) then the funding can be arranged to make the purchase.

Over the years we’ve known customers double the value of outlets by buying at the very bottom of the market and being able to trade them successfully. 

The failure of the previous owner does not need to make a pub, hotel or restaurant site unviable, it may mean that they had the wrong business model or were the wrong operators.

If you are the right operator with the right plan – funding will be available. 

Apply now


Freehold business purchase


Buying a freehold business
Buying a freehold pub, restaurant or hotel

Why should you look at buying a freehold pub, hotel or restaurant rather than saving a lot of cash and buying a lease?

A freehold business includes the property, the “bricks and mortar” that you’ll be trading from.  A commercial mortgage can be secured on the property (a lease is typically not considered suitable loan security). This allows you to borrow over a longer term, with lower monthly payments than typical lease rental payments.

You might need less deposit than you expect, as the best lenders in the market will lend against the Market Value (MV) which includes goodwill, rather than just the Closed Value (Bricks and Mortar).  For the right proposition, it’s possible to fund up to 75% of MV.

Leases can come with other clauses limiting your ability to trade profitably.  From upward only rent reviews to tied leases, there are a variety of mechanisms designed to help your landlord grow richer and make you work harder.

Apply now


Leaseholds and tenancies

Buying a business on lease or tenancy
Buying a lease or tenancy for a pub, restaurant or hotel

Leases and tenancies have traditionally been the entries to the licensed and leisure trade.  Lower cost than buying the freehold of the premises, a lease gives access to locations with much better trade than would be affordable on a freehold.

Whilst funding on an unsecured basis for leased businesses has always been difficult, if we can satisfy a lender that repayments can comfortably be met then funding can be arranged.

Apply now



Contact us


The Acorn.finance FUNDED process

To ensure every Acorn.finance customer gets the same access to the very best funding sources we’ve developed a 6 step sequence that we’ll work through with you to ensure you get the funding you need, for both now and for the future of your business.

F – Facts – before we start it’s important for all the business facts, financials and background to be available. 

U – Understanding – only by understanding you and your business will the solution be the best for your growth plan.

N – Needs – by fully understanding your plans we’ll work with funders who will meet your needs both now and for the future.

D – Discuss – working with our panel of the best funders in the market we’ll work through your case with them to ensure they understand your needs in detail.

E – Execute – by using Acorn.finance to arrange your funding you save hours of time spent on calls and applications. We work with the finance company to streamline every finance case.

D – Deliver – we work hard with all the professionals involved to ensure you get the funding you need, in good time.


Scroll to top