SMEs are the backbone of most economies around the world, yet SME lending - loans in the sub £30m category - is the most neglected segment of the credit market. ACORN machine helps automate the way banks penetrate this underserved and underestimated market. It does this by leveraging process excellence, machine learning and technology to fuel data-driven decision making across the loan lifecycle. The ACORN machine proposition has been proven via OakNorth – a UK challenger bank launched in 2015 that has lent c.£1bn to UK businesses to date. In November last year, the ACORN OakNorth group closed the largest fintech raise in the UK to date, securing £250m from several investors – GIC (the Singaporean sovereign wealth fund), Coltrane Asset Management, The Clermont Group and Toscafund.