Acorn Development Desk · Senior Debt, Mezzanine & Site Finance
Bespoke funding for ground-up residential builds, commercial-to-residential PD conversions, and site acquisitions. Senior debt up to 70% GDV / 85% LTC plus mezzanine top-ups.
Prefer to talk? 0207 959 3882
The Development Capital Stack
Every scheme is built from these layers — we combine them to minimise your cash equity and maximise return on cost.
Best for: Experienced housebuilders and regional developers.
Best for: Capital-efficient developers looking to stretch senior debt beyond standard LTV thresholds.
Best for: Developers with capital tied up in active projects who need top-up equity for a second site acquisition.
Best for: Developers approaching practical completion who want to repay high development rates while marketing units for sale.
Project Scheme Types Covered
Single luxury plots, multi-unit housing estates, and apartment blocks.
Office block, warehouse, and retail conversions into self-contained flats.
Structural extensions, HMO conversions, and airspace developments.
Unconditional site purchases, sites with outline or full planning permission, and option agreements.
Interactive Estimator
Model your total cost, senior debt, equity requirement, and profit on cost in real time.
| Total Development Cost (LTC) | £2,000,000 |
|---|---|
| Senior Debt Available (65% GDV / 80% LTC) | £1,600,000 |
| Estimated Developer Cash Equity Required | £400,000 |
| Projected Developer Profit on Cost | 50.0% |
Profit on Cost Meets the Typical 20%+ Lender Benchmark
Submit Scheme for Pre-ApprovalIndicative illustration only. Senior debt is the lower of 65% of GDV and 80% of total cost, before fees and interest. Terms subject to full underwrite, valuation, IMS appointment, and status.
Important Tax & Financial Advice Notice
Acorn.finance is a specialist credit broker authorised and regulated by the FCA, not a tax advisory firm or accountant. Development projects, SPV corporate structures, Capital Allowances, Option to Tax (VAT on commercial land), and Corporation Tax on development profits carry distinct legal and tax implications. 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.
Keep Exploring
Title engineering and equity release for multi-let blocks.
Light and heavy refurbishment capital matched to your project.
Rolling credit lines — draw, develop, repay, repeat.
BRR and bridging strategies for assets banks won't touch.
Commercial & Property Debt
Document preparation
Ground-Up & Major Conversions
Document requirements vary by lender and circumstances. Collected documents are not uploaded or verified here.
Comparable completed schemes help assess delivery capability. Include your role, project size, timings and the professional team’s experience.
The lender tests scheme viability and end values. Separate unit values, costs and assumptions and support estimates with comparable evidence.
Detailed costs and timings support staged funding. Include professional fees, contingency, VAT assumptions and the cash needed before drawdowns.
Lenders verify permitted works and conditions. Supply the decision notice, approved plans and evidence of discharged conditions where applicable.
Independent cost evidence helps test the budget. Include scope, exclusions and quote validity; lender-appointed monitoring may still be required.
Evidence supports the repayment plan. A refinance decision in principle is not a binding offer; sales assumptions need realistic comparable evidence.
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Common Questions
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