Acorn Street Capital
- Company typePrivate
- Founded2017
- HeadquartersBoston, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Acorn Street Capital firmographics
Firmographics- Name
- Acorn Street Capital
- Legal name
- Acorn Street Capital LLC
- Website
- https://acornstreetcap.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Acorn Street Capital industry classification
Industry- Product category
- Alternative Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- akta.pro primary industry
- Asset-Based Lending (ABL) (FSANADAD)
- akta.pro secondary industries
- Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE), Real Estate Private Credit (CRE Debt) (FSANADAG)
Keywords
Where Acorn Street Capital is headquartered
LocationHeadquarters
- HQ city
- Boston
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Acorn Street Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Others
Revenue model
- Interest Income on Loans: Acorn Street Capital generates revenue through interest payments on its loan portfolio. As a direct lender providing asset-based lending, cash flow financing, and special situation capital, the company earns interest income based on SOFR plus spreads ranging from 6% to 7%+. The company maintains a permanent capital base allowing for flexible, creative structuring of financing solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Asset-Based Lending (ABL) - Excluding Real Estate |
| Other | Multi-year contract | Asset-Based Lending (ABL) - Real Estate |
| Other | Multi-year contract | Cash Flow Financing |
| Other | Multi-year contract | Special Situations |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Acorn Street Capital product offering
Product offeringCore offering
Acorn Street Capital is a Boston-based direct lender that provides creative structured financing to U.S. lower middle market companies. The firm offers three core products: Asset-Based Lending (ABL) secured by inventory, receivables, equipment, or IP; Cash Flow Financing for businesses with recurring revenue; and Special Situations Financing covering bridge loans, acquisitions, refinancings, turnarounds, and DIP financings. Loan sizes range from $2 million to $20 million with terms of 12-48 months, priced at SOFR plus 6-7%+.
Product overview
Acorn Street Capital operates as a creative structured investment firm offering three integrated financing products in the lower middle market: Asset-Based Lending (ABL) secured by tangible assets, Cash Flow Financing for businesses with recurring revenue, and Special Situations Financing for complex transactions like DIP financing and acquisitions. The three products work together to provide flexible capital solutions across different collateral types and scenarios, from $2MM to $20MM loan sizes with terms of 12-48 months.
Differentiator
Problem solved
Functional benefit
Products and services
- Asset-Based Lending (ABL)
- Cash Flow Financing
- Special Situations Financing
Quantifiable outcome
- Transactions historically close in 2-4 weeks post-Term Sheet execution
- +1 more outcomes
Companies that use Acorn Street Capital
Customer profileSegments2 records
Ideal customer profiles2 records
Acorn Street Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Acorn Street Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Industry Leading Valuation and Advisory FirmscoreAcorn Street Capital is strategically partnered with industry leading valuation and advisory firms to create a streamlined and solutions-oriented underwriting and closing process. These partnerships enable the company to leverage expert valuation services and advisory capabilities to support its lending operations and transaction execution.
Scale indicators6 records
Recent moves3 records
Expansion highlights2 records
Acorn Street Capital competitors and assessment
Company assessmentDirect peers
- North Mill Capital: Asset-based lender providing working capital solutions to lower middle market borrowers through ABL and factoring, directly comparable to Acorn's ABL product line and customer segment.
- SLR Credit Finance: Direct lender offering asset-based, cash flow, and special situations financing to middle market companies, with overlapping product set and customer base to Acorn.
- AloStar Capital Finance: Commercial finance company providing senior secured asset-based and cash flow loans to lower middle market companies, directly competitive with Acorn's core ABL and cash flow products.
- White Oak Global Advisors: Private direct lender providing asset-based lending, cash flow financing, and special situations capital to lower middle market borrowers, directly comparable to Acorn's product set and target market.
- Porter Capital: Direct lender and factor providing working capital and asset-based loans to small and lower middle market businesses, with a similar deal-size range and quick-close orientation as Acorn.
- CapitalPlus Financial: Specialty finance company providing asset-based lending and accounts receivable financing to small and lower middle market businesses, overlapping with Acorn's ABL focus and target borrower profile.
- Gibraltar Business Capital: Private direct lender focused on asset-based lending, cash flow loans, and special situations financing for lower middle market companies, mirroring Acorn's integrated product offering.
- Republic Business Credit: Direct ABL and factoring lender serving small and lower middle market companies with similar loan size, collateral focus, and flexible structuring philosophy as Acorn.
Broad incumbents
- Golub Capital: Large middle-market direct lender with a broad product suite including ABL, cash flow, and special situations financing, competing with Acorn in the lower middle market but at materially greater scale and balance sheet.
- Ares Capital: Publicly traded business development company (BDC) providing senior secured, asset-based, and special situations financing to middle market companies, representing a much larger incumbent in Acorn's addressable market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Acorn Street Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Acorn Street Capital leadership team
Management profileNumber of profiles
Acorn Street Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Acorn Street Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Acorn Street Capital
What does Acorn Street Capital do?
Acorn Street Capital is a Boston-based direct lender that provides creative structured financing to U.S. lower middle market companies. The firm offers three core products: Asset-Based Lending (ABL) secured by inventory, receivables, equipment, or IP; Cash Flow Financing for businesses with recurring revenue; and Special Situations Financing covering bridge loans, acquisitions, refinancings, turnarounds, and DIP financings. Loan sizes range from $2 million to $20 million with terms of 12-48 months, priced at SOFR plus 6-7%+.
Is Acorn Street Capital a public or private company?
Acorn Street Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Acorn Street Capital founded?
Acorn Street Capital was founded in 2017. It employs 1 to 10 people.
Where is Acorn Street Capital based?
Acorn Street Capital is headquartered in Boston, United States, in the North America region.
How does Acorn Street Capital make money?
One revenue line is on record: interest Income on Loans.
Who are Acorn Street Capital's main competitors?
Direct peers on record are North Mill Capital, SLR Credit Finance, AloStar Capital Finance, White Oak Global Advisors, Porter Capital, CapitalPlus Financial, Gibraltar Business Capital and Republic Business Credit. Broad incumbents are Golub Capital and Ares Capital.
Does Acorn Street Capital have an API?
No public API is recorded for Acorn Street Capital.
What industry is Acorn Street Capital in?
Acorn Street Capital's product category is Alternative Lending. Its primary akta.pro industry code is FSANADAD, Asset-Based Lending (ABL), with a secondary code of FSAHAJAE, Direct Lending — Asset-Based Lending (ABL). Its NAICS code is 522.