Based in Manchester, Assetz Capital says it has access to “High Net Worth” individuals to provide your business with the finance it needs. It offers a range of different loan products, mostly suited to property developers and landlords, and asks for security on every loan. That means you’ll want to be certain you can meet all the repayments before you go ahead with Assetz Capital business finance, or you’ll be risking the asset(s) that you put forward as security to borrow against.
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Assetz Capital offers eight distinct loan options, mostly suited to property investors, developers and landlords. However, it does also fund SMEs and will consider any industry sector.
Commercial Mortgages. If you are a business wanting to own the space that you operate from, or you’re a commercial landlord looking to expand your portfolio, this may be the right option for you. Assetz Capital will consider any property in the UK and you’ll get a fixed rate that could help you to budget. Borrow £200,000 to £2.5 million for up to five years.
Secured SME Term Loans. A Secured SME Term Loan is aimed at enabling smaller businesses to grow. Assetz Capital will agree on a tailored loan with you to suit the needs of your business. Borrow £200,000 to £5 million for up to five years.
Development Finance. This is a short-term loan for residential property developments, such as refurbishment projects or construction. It is usually based on gross development value (what the site will be worth when the refurbishment or construction project is finished) and is paid back in stages. Borrow £500,000 to £7 million for up to two years.
Development Finance with Presales. This pre-sales option is aimed at developers looking to fund apartment schemes. Assetz Capital works with its sister company, Assetz Property (a UK Buy to Let agency with 100,000 registered investors) to offer a pre-sales solution for both apartment and housing schemes. Pre-selling some or all of the units means that exit risk and development loan interest rates can be reduced, so that you can stretch your equity further and develop your sites faster.
Buy-to-Let for Landlords. Assetz Capital will consider a wide range of properties, including new builds, student and HMO properties, as well as flats above commercial properties. Borrow £100,000 to £1.25 million for up to five years.
Residential Refurbishment. This is aimed at borrowers looking for a business loan to buy, refurbish and then sell or invest in single properties. Borrow £250,000 to £1.5 million for up to two years.
Bridging Finance. A bridging loan is a type of short-term, property-backed finance. This option is usually used to fund your business for a period of time whilst allowing you to either refinance to longer term debt or sell a property. You may be able to convert to development finance with Assetz Capital when you’re ready. Borrow £250,000 to £2.5 million for up to one year.
Property Investor Hunting Licence. This is a type of credit that allows for fast cash drawdowns, so you can trade, develop and invest in property quickly and easily. Borrow £500,000 to £1 million for up to three years.
Key features of Assetz Capital business loans
Borrow £100,000 to £7 million. Borrow an amount to suit your business needs. The “preferred maximum” loan is £5 million.
Fixed monthly payments for up to 5 years. Spread your repayments over a term that suits you and your business. The maximum repayment term will depend on the loan option you choose.
Early repayment. Assetz Capital will not charge a fee if you decide to settle your loan early, but there may be a minimum charging period. Check the specific terms before agreeing to a loan.
Range of loan options. Assetz Capital offers distinct loan products designed to meet the unique needs of SMEs, residential property investors and landlords.
The interest rate you are offered will depend on factors like the amount you apply for, the term of the loan, the performance of your business and its credit rating. This may differ from the advertised “Representative APR”. The rate will remain fixed for the term of your loan.
How can I apply?
To apply for a loan, simply register as a borrower on the Assetz Capital website and a “Relationship Manager” will get in touch with you. They’ll arrange to meet you in person to go through the application process and to collect all the information they need to reach a decision.
They will then use this information to write a report, which will take 2-3 days and will then need to be checked and vetted before your loan is uploaded to the peer-to-peer platform for auction.
Frequently asked questions
Yes, there is a charge for borrowing money through Assetz Capital. However, this is generally negotiable and will be agreed upon prior to any auction being launched on the platform.
If you miss a repayment, Assetz Capital will record it as an “Event of Default”. If a payment is not made on the due date, you may be charged default interest on the balance of the loan until the missed repayment is made. If this doesn’t happen and an agreement cannot be reached for repayment, Assetz Capital could turn to any or all of the assets you put down as security. Always ensure that you can afford the repayments before you agree to a loan.
There is no early repayment fee as such, but some loans may have a minimum charging period. Always check this before you take out a loan.
Assetz Capital complies with UK regulations on the prevention of fraud and money laundering. Every borrower is spoken to face-to-face and their trading premises are visited. Assetz Capital undertakes business checks to ensure each business is doing what it professes to do. In addition to this, credit searches and Companies House checks are also performed to confirm the authenticity of the business.
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
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