Refurbishment and conversion funding

Conversion and refurbishment funding …
coming soon



Leases and tenancies
Pub Leases & Tenancies | Leased Hotels & Restaurants

Traditionally a low-cost entry model into the licensed & hospitality trade the tenancy or lease separates the property from the business.  Acorn.finance has years of experience funding good quality pubs, restaurants and hotels.

Trading freeholds
Pubs | Hotels | Restaurants

Getting the right commercial mortgage for your pub, hotel or restaurant is as important as getting the right site.  To have total confidence in your lending partner choose independent, expert advice from Acorn.finance

Closed units and disposals
Pubs | Hotels | Restaurants 

Having funded hundreds of pub company disposals, closed or under-trading sites across the leisure sector Acorn.finance are your ideal funding partner to arrange refurbishment bridging or a commercial mortgage.

Sitting tenant freehold purchase
Pubs | Bars | Restaurants | Hotels 

So you’re trading well in your lease, would the owner sell the freehold? Acorn.finance have funded hundreds of sitting tenants in more than 20 years, often at 100% of purchase price.  


Freehold purchase for sitting tenants


100% – funded!

Funding for sitting tenants able to buy their freeholds from private landlords or pub companies.  Since 1997 Acorn.finance have pioneered this type of purchase, helping hundreds of customers secure their freehold with funding of 100% of the purchase price.  Whats more, in most cases the mortgage repayment is much less than the rent was previously, especially so for tied leasehold pubs.

Not only are we the experts in this form of commercial mortgage but we offer a free assessment of your freehold value, what you should offer and what we can raise for you.  

With current uncertainty in the commercial real-estate market there’s never been a better time to make an offer and secure your freehold.

Apply now


Closed units and disposals


Closed or undertrading units, pub company disposals & new business
Pubs, hotels & restaurants without the requisite accounts

Sometimes you find the perfect business but the current owners just are not trading it to give us the proof we need that you can repay a commercial mortgage.

That can be for a number of reasons; 

  • The unit is closed
  • The unit is being run by tenants or relief management, meaning that the vendor does not have access to the accounts (this is the case when a pub company is selling)
  • The unit has under-traded, due to the retirement of the owners or ill health
  • It’s a brand new site being developed

Whatever the reason, as long as you can produce a comprehensive business plan (we can help with this) then the funding can be arranged to make the purchase.

Over the years we’ve known customers double the value of outlets by buying at the very bottom of the market and being able to trade them successfully. 

The failure of the previous owner does not need to make a pub, hotel or restaurant site unviable, it may mean that they had the wrong business model or were the wrong operators.

If you are the right operator with the right plan – funding will be available. 

Apply now


Freehold business purchase


Buying a freehold business
Buying a freehold pub, restaurant or hotel

Why should you look at buying a freehold pub, hotel or restaurant rather than saving a lot of cash and buying a lease?

A freehold business includes the property, the “bricks and mortar” that you’ll be trading from.  A commercial mortgage can be secured on the property (a lease is typically not considered suitable loan security). This allows you to borrow over a longer term, with lower monthly payments than typical lease rental payments.

You might need less deposit than you expect, as the best lenders in the market will lend against the Market Value (MV) which includes goodwill, rather than just the Closed Value (Bricks and Mortar).  For the right proposition, it’s possible to fund up to 75% of MV.

Leases can come with other clauses limiting your ability to trade profitably.  From upward only rent reviews to tied leases, there are a variety of mechanisms designed to help your landlord grow richer and make you work harder.

Apply now


Leaseholds and tenancies

Buying a business on lease or tenancy
Buying a lease or tenancy for a pub, restaurant or hotel

Leases and tenancies have traditionally been the entries to the licensed and leisure trade.  Lower cost than buying the freehold of the premises, a lease gives access to locations with much better trade than would be affordable on a freehold.

Whilst funding on an unsecured basis for leased businesses has always been difficult, if we can satisfy a lender that repayments can comfortably be met then funding can be arranged.

Apply now



Contact us


The Acorn.finance FUNDED process

To ensure every Acorn.finance customer gets the same access to the very best funding sources we’ve developed a 6 step sequence that we’ll work through with you to ensure you get the funding you need, for both now and for the future of your business.

F – Facts – before we start it’s important for all the business facts, financials and background to be available. 

U – Understanding – only by understanding you and your business will the solution be the best for your growth plan.

N – Needs – by fully understanding your plans we’ll work with funders who will meet your needs both now and for the future.

D – Discuss – working with our panel of the best funders in the market we’ll work through your case with them to ensure they understand your needs in detail.

E – Execute – by using Acorn.finance to arrange your funding you save hours of time spent on calls and applications. We work with the finance company to streamline every finance case.

D – Deliver – we work hard with all the professionals involved to ensure you get the funding you need, in good time.


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