Assetz Capital Reviews

Assetz Capital is a trusted lender known for its innovative peer-to-peer lending platform, providing accessible and efficient financing solutions for investors and borrowers alike.

Here are the Trustpilot Reviews from Assetz Capital:

Here are the Reviews from Assetz Capital:

The spivs and sharks have transitioned over to institutional investors leaving the retail investors high and dry with their money locked in (often in bad loans). After three years, I still have money there while the head spivs have moved away from their P2P past.

Young Angus

Relatively small amount I will never see I guess. Gained overall fortunately got most out as p2p started to fail. Main loss Wellesley segued artfully out of their obligations while remaining in business. Never put money other than FSC guaranteed again

Tony Edwards

Assetz Capital staff are incompetent and disrespectful! Utterly despicable the way Assetz Capital treat investors. They put company into run off and lock money away for years without warning. Funds that were in an access account may or may not ever be seen again. They don't answer the phone. Refer you to live chat that doesn't exist. I am left with tens of thousands of pounds trapped in Assetz Capital. I am having to borrow from friends and my house purchase is in jeopardy. How the Financial Ombudsman can allow such treatment is beyond me. Huge number of defaulted loans starting to appear confirms terrible underwriting and mis selling as low to medium risk loans. Please someone deal with this unscrupulous company. As for any institutional investors or borrowers looking to partner with the 'new' Assetz Capital, you would be off your rocker to do so! Thousands of people have suffered at their hands, and you, too, will pay the price if you decide to do business with these useless, self-serving individuals at Assetz Capital.

Kieron Douglas

I have previously reviewed AC and given a high score. When interest rates were low, AC offered very high rates. I was happy when the money was coming in. All that changed with COVID. Suddenly the company was in difficulty. I do understand that it had to close its books and slowly release the money to investors but I am annoyed with the way they treated me. I asked to withdraw my funds at a time when there were no restrictions in place and they failed to act on my instructions. I don't know if that was deliberate. I have no proof but suspect they flouted their own rules. They then decided to freeze people's money and I lost out. I'm also unhappy with the changes in how we obtain our money. Getting charged a fee of Â£1 to access the pitiful drip feed of our monthly returns is a joke. On the plus side, I am still earning interest. However the recent trend in consulting investors on how to deal with bad debtors and people in arrears highlights how many risks this company took with investor's money. I don't think I will ever trust P2P investment companies again.

Paul

High number of bad loans, which were had no backing/security. And what money they haven't written off and still hold they refuse to release.

David Dixon

Shocking company. From the start it was shady on investments and defaults and in particular how to withdraw funds. Seems likely a scam to pay high directors fees then wind up for individual investors. Should be investigated by Financial Ombudsman for criminal fraud or negligence. Stay away from these people no matter what company they get involved with.

David Campbell

Explore Assetz Capital's Finance Solutions:

Residential Development Finance

£1,000,000 - £25,000,000

Residential Refurbishment Loan

£150,000 - £5,000,000

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Explore Assetz Capital's Finance Solutions:

Loan Type:

Residential Development Finance

Loan Range:

£1,000,000 - £25,000,000

Loan Terms:

9 months to 24 months

Minimum Turnover and Trading Age:

Demonstrable track record of at least one completed residential development

Interest Rate:

From 6.50% p.a. (rolled-up)

Fees:

2% arrangement fee; 1% exit fee; monitoring, valuation and legal costs payable by borrower

Loan Type:

Residential Refurbishment Loan

Loan Range:

£150,000 - £5,000,000

Loan Terms:

6 months to 18 months

Minimum Turnover and Trading Age:

Some refurbishment or property investment experience preferred

Interest Rate:

From 7.00% p.a. (rolled-up)

Fees:

2% arrangement; 1% exit; monitoring fees as incurred

Loan Type:

Standard Bridging Loan

Loan Range:

£150,000 - £10,000,000

Loan Terms:

3 months to 24 months

Minimum Turnover and Trading Age:

No minimum trading period but exit strategy must be clear

Interest Rate:

0.55% - 0.95% per month

Fees:

2% arrangement; 1% exit; legal & valuation fees apply

Loan Type:

Development Exit Loan

Loan Range:

£500,000 - £10,000,000

Loan Terms:

3 months to 18 months

Minimum Turnover and Trading Age:

Completed or near-completed scheme ready for sale

Interest Rate:

From 6.25% p.a.

Fees:

1.5% arrangement; 1% exit

Loan Type:

Commercial Investment Mortgage

Loan Range:

£250,000 - £10,000,000

Loan Terms:

1 year to 5 years

Minimum Turnover and Trading Age:

Tenant lease or proven rental history required

Interest Rate:

From 6.00% p.a.

Fees:

2% arrangement; potential exit fee 1%; valuation & legal costs

Loan Type:

Owner-Occupied Commercial Mortgage

Loan Range:

£250,000 - £5,000,000

Loan Terms:

1 year to 5 years (amortising or interest-only)

Minimum Turnover and Trading Age:

Minimum 2 years trading and profitable accounts

Interest Rate:

From 5.75% p.a.

Fees:

2% arrangement; 1% exit; valuation & legal fees

More About Assetz Capital

Assetz Capital Limited is a Manchester-based alternative lender established in 2013. It specialises in property-secured finance aimed at UK SMEs and property developers. Regulated by the Financial Conduct Authority, Assetz Capital offers a range of loans combining large facility sizes with flexible underwriting. It may suit experienced developers, landlords, and trading businesses able to provide UK property security. For uncollateralised borrowing or smaller loans, other lenders may be preferable. Assetz Capital reviews provide deeper insights, and details on property-secured lending help understand similar providers.

Key features of Assetz Capital

This lender focuses on mid-market property-secured lending with dedicated regional support and technology. It emphasises fast decisions and flexible drawdowns, backed by institutional funding. These features aim to support complex and larger developments.

The wide portfolio of property-backed products, including development finance and bridging loans.
Regional relationship directors provide local market knowledge and dedicated assistance.
Stage-drawdown technology allows monitoring of funds through the development cycle.
In-house credit and loan servicing teams facilitate faster decision cycles and management.
Institutional funding lines provide certainty of capital availability.

Funding eligibility

You may qualify if your business has at least two years of trading history or relevant development experience. Minimum turnover requirements apply mainly to owner-occupied and term loan products, typically around £250,000. The lender excludes lending on purely agricultural, speculative land without planning, overseas property, and Northern Ireland assets. For detailed qualification information, see our business loan eligibility guide, business loan options, and alternative lending considerations.

Loan options

Assetz Capital offers a variety of property-secured loans suitable for development, refurbishment, bridging, commercial, and business purposes. Loan amounts range from £150,000 to £25,000,000.

Residential Development Finance: £1,000,000 to £25,000,000 for 9 to 24 months with interest from 6.50% p.a. rolled-up. Requires demonstrated development experience.
Residential Refurbishment Loan: £150,000 to £5,000,000 for 6 to 18 months at rates from 7.00% p.a. rolled-up, for those with some refurbishment experience.
Standard Bridging Loan: £150,000 to £10,000,000 for 3 to 24 months, monthly rates from 0.55% to 0.95%. No minimum trading but clear exit strategy required.
Development Exit Loan: £500,000 to £10,000,000 for 3 to 18 months, from 6.25% p.a., for near-complete schemes ready to sell.
Commercial Investment Mortgage: £250,000 to £10,000,000, terms 1 to 5 years from 6.00% p.a., requires tenant leasing/rental history.
Owner-Occupied Commercial Mortgage: £250,000 to £5,000,000 for 1 to 5 years, from 5.75% p.a., needs two years’ profitable trading.
HMO Mortgage: £150,000 to £2,000,000, 2 to 5 years, from 6.25% p.a., tailored for licensed HMOs.
Holiday Let Mortgage: £150,000 to £1,000,000 for 2 to 5 years at around 6.50% p.a., based on holiday let income projections.
Buy-to-Let Mortgage: £150,000 to £2,000,000 for 2 to 5 years from 6.00% p.a., with interest-only or repayment options.
Secured Business Term Loan: £250,000 to £5,000,000 for 6 to 60 months from 7.00% p.a., requires property security and trading history.

How to apply

The application is mostly online with a dedicated relationship manager providing guidance. Expect decisions within 24–48 hours on heads of terms, then up to five working days for full credit approval.

Submit your enquiry and documentation through the online enquiry portal.
Provide required documents such as filed accounts, valuations, and AML compliance papers as detailed in our application checklist.
Review and negotiate terms with your relationship manager, signing electronically to proceed.
Work with the lender's credit and legal teams to complete valuations and legal processes for funding.

Funding Agent’s view on Assetz Capital

Assetz Capital serves a specific niche providing mid-market property-secured loans with flexible underwriting and notable loan sizes. It suits experienced SMEs and property professionals able to meet security and eligibility criteria. For businesses needing smaller, unsecured borrowing, or those without prior development experience, alternative lenders on Funding Agent’s lender directory may be more appropriate. Use our eligibility checker and loan comparison tools to evaluate options.