Business & Property Finance Broker in London
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.
- London based
- 7 UK Awards
- 5-Star Rated
- 400+ Lenders
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.
- London Based Since 2016
- 7 UK Best Broker Awards
- 400+ Lenders
- £100ms Funded
London HQ Since 2016
Heart of the capital
All 32 Boroughs
Hackney to Westminster!
All Business Types
Pubs to business parks
Fast Decisions
London moves, we're faster
Why London Businesses Choose Acorn for Commercial Mortgages
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.
London Businesses We Fund
Pubs & Bars
From traditional to trendy
Hotels & Accommodation
Boutique to business hotels
Restaurants & Cafes
Celebrity chefs to local favorites
Industrial & Manufacturing
Kitchens, workshops, warehouses
Retail & Trade Counters
High street to industrial estates
Offices & Business Parks
Startups to established headquarters
Care Homes & Healthcare
Residential and nursing care
Educational & Specialist
Schools, training centres, specialist facilities
Mixed-Use & Development
Commercial with residential above
Serving Every Corner of London
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.
Why London Business Owners Choose Acorn
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 |
How We Get London Businesses FUNDED
1
Facts Gathered
We understand your London business and property needs
2
Understanding Your Project
Commercial property values, sector specifics, timing
3
Needs Established
Loan amount, term, exit strategy, constraints
4
Discussion with Lenders
We approach the right lenders from our 400+ panel with your case
5
Execution of Funding
Application, valuation, legal work managed
6
Delivered Results
Funds released, you own your premises
London Success Stories
London Commercial Property: Why Specialist Lenders Matter
Commercial Mortgage FAQs for London Businesses
How much can I borrow for London commercial property?
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:
- Property value and type
- Your business financials and trading history
- Sector (hospitality, retail, industrial, etc.)
- Deposit available
Do you work with specific London business sectors?
Yes — we’ve funded every type of London business:
- Hospitality: Pubs, restaurants (including celebrity chef venues), hotels, cafes
- Healthcare: Care homes, nursing homes, medical practices
- Retail: High street shops, trade counters, showrooms
- Industrial: Kitchens, manufacturing, workshops, warehouses
- Commercial: Offices, business parks, mixed-use buildings
- Specialist: Schools, training centers, entertainment venues
If you run a London business, we’ve probably funded someone in your sector.
How long does it take to get a commercial mortgage in London?
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.
What if high street banks have rejected my application?
This is where Acorn excels. High street banks often reject London businesses because:
- Property values exceed their lending limits
- They don’t understand specialist sectors (pubs, care homes, restaurants)
- Limited company structures confuse them
- They want 3 years’ accounts (many London businesses are newer)
- They will only lend n freehold properties, not commercial leases (of under 40 years)
Our 400+ lender panel includes specialists who:
- Understand London property values
- Have sector expertise
- Consider business potential, not just historical accounts
- Can work with complex ownership structures
We’ve secured funding for countless businesses after bank rejections — it’s what we do best.
Can you help if my business has bad credit or CCJs?
Yes, we have specialist lenders who consider adverse credit, provided:
- The property has sufficient value/equity
- The business is currently trading well
- There’s a reasonable explanation for past issues
- The credit issues are not too recent or ongoing
- Even if you’re not sure about some of the above, our experts have a variety of different funding tools to meet your needs!
London’s specialist lender market is more flexible than high street banks. Let’s discuss your specific situation.
Do you charge fees for commercial mortgages?
We typically charge a procuration fee (broker fee) on completion, usually 1-2% of the loan amount. However:
- No upfront fees
- Transparent pricing discussed at the start
- Often we can negotiate better terms that more than cover our fee
– For complex cases, we may discuss fee structures upfront
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.