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Frequently Asked Questions

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Call 01242 395507 to discuss financing for your business or request a callback

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How much can I borrow?

Depending on the product, you can borrow anything from a minimum of £25,000 up to £25m.

How much will it cost?

This very much depends on the specifics of what you’re hoping to borrow and the health of your business.
We can provide an indicative quote based on some key information and will always endeavour to find the best deal for you.

What information do I need to provide?

We’ll start with a fact-finding call to establish the rationale behind borrowing funds and to gain a good understanding of your business.

Be prepared to provide additional supporting info such as annual accounts, management accounts, 3 months recent bank statements and a Personal Net Worth (PNW) statement.

How is my data protected?

We understand it is vital for us and the companies we work with to ensure your personal information is protected and we have Terms of Business that detail our Data Protection policy.

You can also read our privacy policy here: https://acornbusinessfinance.co.uk/privacy-policy/

We’ve sourced data protection advice and developed a series of best practices to build a world class
system safeguarding your personal and financial information from outside intruders.

Is the amount you quote the amount I will pay?

We aim to provide an indicative quote of what we think we can achieve for you based on the strength of your business. We will always confirm the final deal costings upon receiving a formal acceptance before raising documentation.

What lenders do you work with?

We work with a diverse panel of independent finance houses and challenger banks allowing us to provide funding to a wide range of businesses with a strong assortment of funding products.

Will I definitely be offered funding by a lender if I apply for it?

We have a panel of lenders offering a selection of products suited to different businesses and we aim to match you with the most suitable product/lender. This ensures the best chance of your application being accepted.

If, during our fact find, any of your circumstances or any of the information you provide suggests a lender would be unlikely to accept your application for funding, we will advise you before applying. It may be that an application at that point is not something we’d recommend; in which case we will discuss this with you.

What is FCA authorisation?

The Financial Conduct Authority is an independently run financial regulatory body, focussing on the conduct of financial services firms to promote competition and protect consumers rights.

Their objective is to:
o Protect consumers
o Protect financial markets
o Promote competition

Our FCA accreditation informs and influences every action we take, governing our processes, communications, standards of reporting, data security and the fairness with which we treat all customers.

Will I have to pay any up-front fees?

Not usually. Any fees payable will be discussed with you prior to proceeding with any finance option on offer

Certain products, such as bridging finance, may require an up-front payment but this will be fully explained before application and confirmed prior to acceptance.

How quickly will I receive the funds?

From initial phone call to the money in your bank, 92% of our successful applications pay-out within 5-7 days, but we have had applications pay out in as little as 24 hours.

Why wouldn’t I use cash?

Working capital is an invaluable asset for any business and protecting it means you can use it to invest in other areas of your business. Using finance means you don’t need to compromise your working capital and can have minimal impact on cash-flow.

How can I discuss my options or get a quotation?

You can contact us directly on 01242 395 507 and one of our consultants would be happy to provide an indicative quote.

How can I discuss my options or get a quotation?

Do you offer personal finance as well as commercial finance?

Tax funding is the only product that we’re able to fund in an individual’s name, for this they must be an equity director of a UK business and a homeowner.

Fast funding for tax bills

We used Acorn for some tax bill funding. When I met Stuart Gibson the MD of Acorn, his professionalism & friendly manner immediately apparent. We recommended Acorn for some tax bill funding for a client. From initial enquiry to money being transferred was 3 weeks and the client financial affairs were not straight forward at all!Very pleased with the service provided and would highly recommend their services to our clients again.

Ensured we understood the process

The Acorn Team, lead by Stuart Gibson have delivered a great service. They responded promptly to every question and ensured we understood the process and details of the loan. Definitely recommend them.

Professional and personal service

Professional and personal service par excellence!

Remarkably quick and hassle-free

Remarkably quick and hassle-free financing !

Taken the stress away

All the team have been extremely helpful and kept me in the loop with progress reports as we have gone along. I would definitely recommend Stuart and Cathy for their helpful attitude, nothing has been too much trouble during a time that has been stressful for our business.

Amazingly quick

Amazingly quick to get the deal done from start to finish, and to get the money into the bank.
A breath of fresh air and the wonder why everyone else can’t work like this. Thoroughly recommended.

Speedy Personable Service – Highly Recommend

I have dealt with Stuart and his team at Acorn Finance for a number of years now and they are very efficient, always keep you updated, and you receive a personal service. They understand our business needs. The CBILS Loan from initial enquiry to funds in the bank less than a week. I would highly recommend them.

Truly fantastic and dependable service

Truly fantastic and dependable service.
In such turbulent times and with the criteria for meeting CBILS loans incredibly high, having a dependable broker that is willing to spend the time to truly understand your business needs as well as having a deep-rooted understanding of ever-changing requirements from such a vast array of providers is invaluable.
Highly recommended.

First Class Service

Post a call with Stuart on 26/08 about CBILS, we were still unsure whether to apply. We then decided to bite the bullet and apply. From start to finish Stuarts approach was faultless and made the whole process super simple. The whole service was efficient and seemless and within 2 days we had a £250k CBILS Loan Approved. During the whole process Stuart was available to answer all of our queries. Great service and would highly recommend.

Smart and insightful advice

Acorn offered very smart and insightful advice on a range of financing and funding options. Really easy to talk with and gain an understanding of what is available. Highly recommend them.

Completely painless and straightforward process

Completely painless and straightforward process. The information needed was set out clearly at the start of the process and each stage of our application was dealt with in the timeframes outlined by Stuart.

Funds in place on time

Stuart and the ream worked really hard on getting the funds in place on time. Really appreciated.

Making it simple for me as the client

Recently applied for a CBILS loan via Acorn. Stuart and Cathy were very helpful during the application process, making it simple for me as the client. Funds were drawn down quickly and with minimal fuss.

Very professional with the personal touch

Stuart at Acorn as recommended to us by our accountant and I have to say it was a pleasure working with him. Very professional with the personal touch and excellent communication letting us know how things were going every step of the way with our application. Highly recommended and will be using again in the future

Excellent assistance and guidance

Excellent assistance and guidance from Acorn Business Finance. Thorough and reliable as always.

Helpful, fast and Efficient finance solutions

I have dealt with Stuart and his team at Acorn Business Finance for a number of years now and they are very efficient, fast and reliable for all of our financial needs. Can’t thank the team enough for all of your help.

Efficient, friendly and most of all patient

We was introduced to Stuart @ Acorn Business Finance to assist with our CBILS, he has been efficient, friendly and most of all patient from day one. Swift replies to emails and got the job done with helpful advice and guidance when needed.

Excellent

Excellent and real quick service

Great Service From Acorn

Great service from Acorn. They arranged our finances swiftly and with the minimum of effort.

Helpful and Efficient

Stuart was helpful and efficient and most important, got the desired result.

Services that meet our needs

We have always found Stuart and his colleagues to be efficient and quick in providing services that meet our needs and we would recommend them.

Excellent Company

We have used Acorn Business Finance on several occasions. We have chosen them over the multitude of lenders in this market for the following reasons.
(1) Very Competitive Rates unavailable elsewhere.
(2) Excellent customer service and clarity.
(3) Hassle free experience.
We would have no hesitation in recommending Acorn Business Finance and look forward to working with them in the future.

Easy to deal with and personable

I have known Stuart a long time and have always found the service he has provided to be excellent and competitively priced and also importantly Stuart is easy to deal with and personable. I wouldn’t hesitate to recommend Stuart.

Straightforward

Dealing with Acorn Business Finance was straightforward and quick. Stuart quickly understood my position and was able to secure funding where others had failed. I highly recommend Acorn and will use them again when necessary. Thanks!

Super-fast and efficient

I have used them many times.

Excellent service and rapid turnaround

Options are varied and tend to suit requirements always. Would highly recommend. Absolute saviour for aged debt funding.

Friendly, professional team

In addition to a friendly, professional team that responds quickly to our requests, I felt that Acorn really understood our business needs and were able to provide us with loan options to match. Securing finance for small growing companies isn’t easy and Acorn has put in significant effort to find a solution.

Extremely efficient & professional

Highly recommend without hesitation.

Found us a solution

Stuart was proactive and didn’t rest until he had found us a solution. Highly recommended.

Stuart was very helpful and proactive.

Secured funding very quickly and all concluded with the minimum of fuss. Highly recommend Acorn Business Finance.

Great team

Great team with an invaluable business service.

Amazing service

Highly recommended.

Personable and Proactive

I have worked with Stuart for a number of years now. He is always personable and proactive and provides an efficient, professional service with a sound understanding of our business needs.
I would highly recommend.

Fast and with minimal fuss.

Clear terms and everything very transparent. Would highly recommend Stuart and the team.

Excellent service

Stuart was able to step in when an alternative funding option fell through. First enquiry to the loan being drawn down was less than 3 weeks.

Responsive and efficient

I have been dealing with Acorn Business Finance for some years now and have always found them to be responsive, and efficient. Thoroughly recommended.

Professional

Professional, reliable and responsive. Would highly recommend.

Prompt and very professional service

Stuart and his team offer a prompt and very professional service.

Helpful and Professional

Stuart and his team were very helpful and professional.

Trustpilot

Get in touch

To discuss financing for your business please contact us by whichever channel you find most convenient.

Please note, calls may be recorded for training and quality purposes.

    +44 (0) 1242 395507
    hello@acornbusinessfinance.co.uk
    GLFifty Offices, The Limes, Bayshill Road, Cheltenham, GL50 3AW

Acorn Business Finance is the trading name of SJT Corporate Finance Limited. SJT Corporate Finance is registered in England and Wales, number 10919713. Registered office, Windsor House, Bayshill Road, Cheltenham GL50 3AT. SJT Corporate Finance Limited is authorised and regulated by the Financial Conduct Authority, reference number 822913.