Local expertise. National reach. 400+ lenders.
Based in Central London for 9 years, Acorn.finance has helped hundreds of London businesses and property investors secure funding when high street banks said no.
Funding London businesses since 2016. 400+ lenders. Award-winning speed.
From Trafalgar Square to Park Royal, Wimbledon to Walthamstow — we’ve secured commercial mortgages for every type of London business. Celebrity chef restaurants, industrial kitchens, business parks, care homes, and everything in between.
Heart of the capital
Hackney to Westminster!
Pubs to business parks
London moves, we're faster
London’s commercial property market is unique. High values, fast movement, complex deals. Since relocating our HQ to London in 2016, we’ve funded businesses across every corner of the capital.
We’ve secured commercial mortgages for:
– Celebrity chef restaurants in Notting Hill and Dulwich
– Industrial kitchens in Park Royal
– Hotels and boutique accommodations across Central London
– Trade counters from East to West London
– A school in South London
– Multiple care homes across Greater London
– Business parks and light industrial units
– Retail premises from high streets to shopping centres
– Office spaces from startups to established firms
Whether you’re buying your first trading premises or expanding an existing portfolio, London’s high property values demand specialist lenders who understand the market.
That’s where our 400+ lender panel makes the difference.
From traditional to trendy
Boutique to business hotels
Celebrity chefs to local favorites
Kitchens, workshops, warehouses
High street to industrial estates
Startups to established headquarters
Residential and nursing care
Schools, training centres, specialist facilities
Commercial with residential above
We’ve funded businesses across:
Central London: Westminster, City of London, Camden, Islington, Southwark
North London: Barnet, Enfield, Haringey, Waltham Forest
East London: Tower Hamlets, Newham, Hackney, Redbridge
South London: Croydon, Lambeth, Wandsworth, Bromley, Lewisham
West London: Ealing, Hounslow, Hillingdon, Hammersmith & Fulham
Plus: Greater London, Essex borders, Hertfordshire, Kent, Surrey
Wherever your London business is located, we understand local property values and have relationships with lenders active in your area.
Compare us to high street banks and online brokers
| High Street Banks | Online Brokers | Acorn in London |
|---|---|---|
| Limited to their products | 50-100 lenders | 400+ specialist lenders |
| Don't understand your sector | Generic approach | Funded pubs, hotels, care homes, restaurants |
| Slow decisions | Variable speed | London HQ—face-to-face meetings available |
| Rigid valuation criteria | Some flexibility | Complex cases specialist since 1997 |
| Single branch relationship | Remote only | 28 years' experience + 7 UK Awards |
1
We understand your London business and property needs
2
Commercial property values, sector specifics, timing
3
Loan amount, term, exit strategy, constraints
4
We approach the right lenders from our 400+ panel with your case
5
Application, valuation, legal work managed
6
Funds released, you own your premises
Typically 60-75% of property value, though some specialist lenders offer up to 80%. With London’s high values, this often means loans from £500k to £5M+. We’ve secured commercial mortgages up to £10M for established businesses.
The exact amount depends on:
Yes — we’ve funded every type of London business:
If you run a London business, we’ve probably funded someone in your sector.
From initial application to funds released: typically 6-12 weeks, depending on complexity.
However, we can get decisions in principle within 48-72 hours for straightforward cases. London’s fast-moving market demands speed, and our relationships with specialist lenders allow us to move quickly.
For urgent cases, we can explore bridging finance while arranging your commercial mortgage.
This is where Acorn excels. High street banks often reject London businesses because:
Our 400+ lender panel includes specialists who:
We’ve secured funding for countless businesses after bank rejections — it’s what we do best.
Yes, we have specialist lenders who consider adverse credit, provided:
London’s specialist lender market is more flexible than high street banks. Let’s discuss your specific situation.
We typically charge a procuration fee (broker fee) on completion, usually 1-2% of the loan amount. However:
We’re FCA regulated, so all fees are clearly disclosed before you proceed. We work to these standards even though commercial mortgages are not regulated by the FCA.
London | York | Newcastle | Sheffield
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.
