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Assetz Capital

Assetz Capital

Assetz Capital is a peer-to-peer lending platform connecting investors with small businesses and property developers who are looking to borrow money. They have created four different accounts 30 Day Access, 90 Day Access, Manual Lending and Quick Access to suit different lender’s needs.  All of their terms are 1- 60 months with estimated interest rates from 5.10% - 8.07% p.a

The platform helps reduce risk by holding all borrowers assets as security, with the majority of loans being secured against, property, land, equipment, stock machinery, debtors and other assets.  Therefore if the borrower fails to pay back the loan Assetz Capital can use the assets to get back some or all of the money owed.  Although it is worth noting that the values of assets can vary over the lifetime of the loan and therefore do not lend what you can’t afford to lose.  They also asses the borrower on their experience in the industry, an appropriate level of security for the deal proposed, the borrower's ability to repay the loan, and if the exit plans are deemed realistic.

If circumstances change during the life of a loan Assetz Capital may change the interest rate paid by the borrower, for example, if a loan falls into default the platform will charge a default interest rate to the borrower which, if paid, leads to an enhanced interest rates for the lender (excluding investment and Access Account holders) reflecting the increased perceived risk.  All of this information will be displayed on the lender dashboard either as a credit event or monitoring event.

In order to reduce the risk of a borrower defaulting Asstez Capital monitor their loan portfolios closely and allow 7 days before they deem any payments to be late.  If the payment is still late after 7 days the loan can be deemed as a monitoring event, where the breach of the loan terms can be redeemed easily and the platform will keep a close eye on events by the borrower.  If the platform deems a borrower loan as a Credit Event this is treated more seriously and any trading of the loan will be suspended.  All information is displayed on the lender dashboard.

What happens if the platform becomes insolvent or stops trading?

The platform has devised a series of plans called the “Standby Plan” which is in place to ensure the investments which have been made are not impacted.  There is three points they will look at; firstly to possible transfer the entire platform to another business, secondly to sell the loan book to another lending company or thirdly to wind-down the loan book over the normal terms of the loans and close to any new business.

Assetz Capital Products and Investment

    This product gives a fair return of on investments whilst allowing the shortest time possible to access deposited funds under normal market conditions without incurring a charge. Only secured business loans with terms ranging from 1-month to 5-years are automatically invested into when using this product.

    Minimum investment starts at £1 with a maximum amount of £200,000. Interest is paid on the first day of each month.

    term: 1 - 60 months min. investment: £1 return: up to 4.10%*
    * provided on 16/01/2020

    This product gives a return of 5.1% per annum on investments and offers access to deposited funds under normal market conditions when 30 days’ notice is given. The rate will not drop below 4%.

    Minimum investment starts at £1 with no maximum amount.

    Interest is paid on the first day of each month.

    Due to the nature of this account, there is no minimum term.

    term: 1 - 60 months min. investment: £1 return: up to 5.10%*
    * provided on 16/01/2020

    This product gives investors full control over their funds in exchange for the highest possible returns on the platform ranging from 4.5% to 12.5%.

    Investors can choose which businesses to invest in.

    All businesses offered have passed Assetz Capital's credit policy and are secured loans only.

    There is no provision fund available on this account. Any loan investors wishing to sell can only do so if there is a demand from other investors. The minimum investment amount is £1, there is no upper limit.

    Terms typically range from 1 month to 5 years.

    term: 1 - 60 months min. investment: £1 return: up to 8.07%*
    * provided on 16/01/2020

    This product offers lenders to earn up to 5.75% target gross interest a year and gives access to funds 90 days after the notice under normal market conditions.

    The interest rate on the 90DAA is variable and can change from time to time.

    Unlike the Quick Access Account and the 30 Day Access Account there is no minimum interest rate for the 90DAA.

    Minimum investment is £1 and there is no maximum.

    Typically, the 90DAA may contain short-term secured business loans of less than one month through to five-year loans.

    And like all the Access Accounts, the 90DAA auto-diversifies the funds lenders allocate to it across many matching loans at any given time, spreading the risk across the widest possible range of loans that we have available in the account.


    term: 1 - 60 months min. investment: £1 return: up to 5.75%*
    * provided on 16/01/2020

Investor Overview

  • No investor fees.
  • Over 35,000 investors helping UK businesses grow.
  • The minimum investment amount per loan is £0.01.
  • Loan term lengths can be from 3 months to 5 years.
  • Back business loans via 4 different Assetz Capital accounts.
  • * correct as of 17/02/2020

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Go to Assetz Capital

loan book volume

default rate

average interest rate

biggest loan

* correct as of 18/06/2020


Assetz House Manchester Green, 335 Styal Road, Manchester
M22 5LW

0800 470 0430

company number

incorporated 10 years

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph