Assetz Capital business finance

Assetz Capital specialises in secured loans of £100,000+ for SMEs and property developers, bringing together borrowers and investors through its peer-to-peer lending platform.

Assetz Capital
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Assetz Capital coronavirus business loans

Assetz Capital is one of the accredited lenders under the UK government’s Coronavirus Business Interruption Loan Scheme (CBILS), which means it will offer finance to small and medium-sized businesses affected by the pandemic.

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.

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?

  1. 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.
  2. 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.

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