Acorn Commercial Desk · Retail, Convenience & Takeaway Finance
Bespoke commercial finance for High Street Shops, Convenience Stores, Supermarkets, Fast Food Outlets, and Retail Parades. Up to 75%–80% LTV on freeholds plus niche leasehold cashflow lending.
Prefer to talk? 0207 959 3882
Retail Sector Funding
Each retail model is underwritten differently — from Class E high street freeholds to high-cashflow Sui Generis takeaways and mixed-use parades.
Boutiques, fashion outlets, trade showrooms, and hair/beauty salons.
Premier, Nisa, Spar, Co-Op, and independent convenience stores (including attached Post Office counters).
Fish & chip shops, pizza outlets, QSR chains, dark kitchens, and Asian/Indian takeaways.
Freehold parades combining commercial ground-floor retail with residential flats above.
Core Underwriting Drivers
Understanding these three levers lets you present your operation the way a specialist underwriter reads it.
Standard retail sits under Class E (Commercial, Business and Service). Hot food takeaways often require Sui Generis or specific hot-food takeaway planning consent with approved extraction and flue systems. We match your planning status with lenders who accept specialty food uses.
Modern takeaway and retail underwriting goes beyond over-the-counter sales. Lenders assess verified POS terminal data, symbol group trading accounts, and e-commerce/delivery app revenues to establish true Fair Maintainable Trade (FMT).
If buying a shop with unused upper floors, we structure short-term refurbishment or bridging facilities to convert upper storage into self-contained residential AST flats under Class MA Permitted Development, instantly increasing the total asset value.
Interactive Tool
Model your going-concern valuation range, maximum mortgage and monthly repayment from turnover, EBITDA, sector and tenure.
Tenure Type
Retail and takeaway valuations are driven by EBITDA multiples against verified turnover — including POS terminal data and delivery-app revenue. Freehold purchases reach up to 75% LTV; leasehold business acquisitions are funded on cashflow over shorter terms.
Convenience Store / Post Office valued at 6x – 7x EBITDA of £95,000 = £570,000 – £665,000. 75% LTV over a 20-year term at an indicative 6.75%.
Request Retail Pre-ApprovalIndicative illustration only. Retail valuations require a specialist going-concern or RICS valuation and full lender underwrite. Actual LTVs, rates and terms depend on planning use class, lease length, covenant strength and operator experience.
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or accountant. Retail property acquisitions, Transfer of a Going Concern (TOGC) rules for VAT, SIPP/SSAS commercial pension purchases, Capital Allowances on commercial fixtures, and OpCo/PropCo corporate structures carry complex legal and tax implications. The information provided on this page is designed to highlight key structural concepts so you can lead an informed discussion with your qualified accountant or tax specialist.
Knowledge & Next Steps
Freehold and leasehold funding for pubs, hotels, restaurants and leisure venues.
Logistics, storage and trade-counter premises funding for owners and investors.
Stop paying rent and own your trading premises at up to 80% LTV.
Use OpCo/PropCo structures and documented intercompany loans for deposits.
Frequently Asked Questions