About Assetz Capital

Assetz Capital was founded in early 2013 and provides loans to small businesses and property developers. Over 17,000 investors have so far lent more than £210m to 300+ small and medium sized businesses across the UK. All loans are asset backed, and there is a discretionary provision fund in place.


Pros...

  • You can choose between their standard investor accounts or handpick your loans manually.
  • The loans are secured against an asset.
  • Investors can access their money early at no charge.

Cons...

  • Your capital is at risk.
  • Assetz Capital is not covered by FSCS.
  • The lending platform is not a member of the Peer-to-Peer Finance Association.

Provision funds and insurance

Assetz operates a provision fund, but it only covers its investor accounts. If you have chosen to select your own investments, you are not protected by the fund if a borrower defaults on a loan.

How is the risk spread?

Assetz Capital seek to reduce this risk to the investors by taking asset security on every loan. Some of the investment accounts also have the added benefit of a discretionary provision fund. However, capital remains at risk.

Key Data

  • Amount Lent/Invested: £240m
  • No. UK Investors: 17k
  • Avg. Amount Invested: £12k
  • LTV: 65-80%
  • Expected Bad Debt Ratio: 0.31%
  • FCA Regulated?
  • Investment secured on Property, Business Loans, Business Assets
Invest with Assetz Capital

Property Secured Investment Account (PSIA)

  • Potential Return:

       5.5%*
  • Term:

      Bespoke Term
  • Min. investment:

       £1
  • Secured on:

       Property
  • Provision Fund:

       Yes
  • Early exit:

       Yes

*Target Loan Interest


Great British Business Account

  • Potential Return:

       7%*
  • Term:

      0 - 5 years
  • Min. investment:

       £1
  • Secured on:

       Property, Business Loans, Business Assets
  • Provision Fund:

       Yes
  • Early exit:

       Yes

*Interest is quoted gross and is capped at the quoted rate although actual returns could be lower.


30 Day Access Account

  • Potential Return:

       4.25%*
  • Term:

      30 days notice to access your investment
  • Min. investment:

       £1
  • Secured on:

       Property, Business Loans, Business Assets
  • Provision Fund:

       Yes
  • Early exit:

       Yes

*Interest is quoted gross and is capped at the quoted rate although actual returns could be lower.


Quick Access Account

  • Potential Return:

       3.75%*
  • Term:

      Bespoke Term
  • Min. investment:

       £1
  • Secured on:

       Property, Business Loans, Business Assets
  • Provision Fund:

       Yes
  • Early exit:

       Yes

*Interest is quoted gross and is capped at the quoted rate although actual returns could be lower.


Green Energy Income Account

  • Potential Return:

       7%*
  • Term:

      0 - 5 years
  • Min. investment:

       £1
  • Secured on:

       Property, Business Loans, Business Assets
  • Provision Fund:

       Yes
  • Early exit:

       Yes

*Interest is quoted gross and is capped at the quoted rate although actual returns could be lower.


Your capital is at risk if you lend to businesses. Peer to peer lending is not protected by the Financial Services Compensation Scheme. Please read our full risk warning here.