Acorn Commercial Desk · Full & Semi-Commercial Finance
Bespoke property finance for Owner-Occupiers, Commercial Landlords, and Mixed-Use Developers. Whole-of-market access to 450+ specialist lenders and private banks.
The 4 commercial funding quadrants
Owner-occupiers, investors, mixed-use buyers and trading businesses are underwritten differently — the right quadrant changes LTV, repayment model and evidence.
Trading businesses buying their own operational premises: offices, warehouses, factories and trade counters.
Property investors purchasing or refinancing tenanted commercial assets for long-term rental yield.
High-street shops with flats above, pub-to-residential conversions or multi-use business parks.
Pubs, boutique hotels, care homes, dental or GP surgeries and nurseries.
Specialist industry desks
Filter by sector to see the commercial desks Acorn packages for lender appetite, valuation type and income evidence.
Pub freeholds, Pub90 tenant buyouts, bars and micro-breweries.
Boutique city hotels, coastal B&Bs and serviced accommodation.
Elderly and under-65 care homes, dental practices, GP surgeries, pharmacies and veterinary clinics.
Light industrial units, distribution hubs, dark kitchens and trade counters.
Retail premises, car showrooms and mixed-use high-street blocks.
Corporate HQs, co-working spaces and tech hubs.
Showing 6 of 6 specialist desks.
Interactive commercial mortgage estimator
Stress-test the proposed facility against annual rental or trading income before packaging the case.
Live DSCR result
Strong Coverage
DSCR is above 1.25x on this indicative repayment profile.
Indicative illustration only. Repayment is modelled on a simple capital-and-interest basis and excludes fees, interest-only options, valuation adjustments, lender covenants and tax advice.
Acorn Finance is a specialist credit broker authorised and regulated by the FCA, not a tax advisory firm or accountant. Commercial property transactions, OpCo/PropCo group transfers, Capital Allowances, Option to Tax (VAT on commercial property), and Corporation Tax implications vary significantly based on your corporate structure. The information on this page is designed to highlight key structural considerations so you can lead an informed discussion with your qualified accountant or chartered tax specialist.
Knowledge banners & child guide links
Explore sector-specific desks and adjacent acquisition strategies.
Structured funding for pub tenants buying the freehold they already operate.
Open guideOwn your business premises in the capital with specialist commercial underwriting.
Open guideAcquire, refurbish and refinance distressed commercial or mixed-use opportunities.
Open guideLong-term finance for tenanted commercial investment property.
Open guideCommercial mortgage FAQs
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