Assetz capital Alternatives
This guide lists five UK focused alternatives to Assetz capital, so buyers can compare speed, eligibility, products, and pricing before applying.
Quick Compare:
1. LendInvest
LendInvest offers tailored mortgage products primarily for property investors and developers. It specialises in short to medium-term finance secured on property, with flexible options for refinancing or purchase. The process is generally quick, with options for broker-assisted applications and competitive rates.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: 3.14%
- APR max: Unknown
- Loan durations: Short to medium-term
Funding range note: Unknown
Speed: 1 to 3 days for approval
Interest rate notes: Rates start at 3.14% for 2-year fixes, subject to product type.
Eligibility
- Min trading months: 12
- Min monthly turnover: Unknown
- Credit flexibility: Flexible based on property value and experience
Personal guarantee: Commonly required for development projects.
Homeowner advantage: Yes, helps with securing better terms.
Services and sectors
- Products: term_loan, bridging_loan, development_finance
- Industries: Real Estate
Best for
- Property developers
- Landlords seeking competitive rates
Pros
- Competitive rates
- Specialist in property finance
Cons
- PG required for some loans
2. Loanpad
Loanpad provides a digital platform connecting lenders and borrowers, mainly for short-term property and business loans. It offers quick access and fixed interest options, often secured on property with reasonable LTV bands. The service is suited for investors and borrowers valuing speed and security.
Loan and pricing details
- Min amount: Unknown
- Max amount: £150,000
- APR min: Unknown
- APR max: Unknown
- Loan durations: Generally short term
Funding range note: Typically up to £150,000
Speed: Varies by loan type, generally fast due diligence
Interest rate notes: Interest paid to investors at target rates of 5-6%.
Eligibility
- Min trading months: Unknown
- Min monthly turnover: Unknown
- Credit flexibility: Moderate, based on loan type
Personal guarantee: Not typically required.
Homeowner advantage: Not significantly impactful.
Services and sectors
- Products: peer_to_peer_loans
- Industries: Financial Services
Best for
- Small investors seeking daily interest returns
- Low-risk borrowers
Pros
- Flexible investments
- Daily interest payment
Cons
- Platform risk
Sources: https://www.loanpad.com/faqs/
3. Landbay
Landbay specialises in UK buy-to-let mortgages. It provides competitive rates and quick processes for landlords. The loans often focus on property refinance or purchase, with fixed or variable interest options and suitable LTV bands. It caters to investors wanting streamlined service.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: Unknown
- APR max: Unknown
- Loan durations: Varies by product type
Funding range note: Unknown
Speed: Varies, but streamlined for efficiency
Interest rate notes: Rates typically start at competitive market levels.
Eligibility
- Min trading months: 6
- Min monthly turnover: £25,000
- Credit flexibility: Based on property value and rental income
Personal guarantee: Usually required to ensure responsibility.
Homeowner advantage: Yes, helps with securing loans quickly.
Services and sectors
- Products: buy_to_let_mortgages
- Industries: Real Estate
Best for
- Professional landlords
- Buy-to-let investors
Pros
- Focus on buy-to-let
- Efficient process
Cons
- PG may be required
Sources: https://landbay.co.uk/
4. RateSetter
RateSetter offers a range of loans with fixed interest rates based on borrower profiles. It mainly supports unsecured personal and business lending, with options for fixed interest and brokered access. The service is known for quick turnaround and flexible repayment terms.
Loan and pricing details
- Min amount: £2,000
- Max amount: £100,000
- APR min: 6.9%
- APR max: Unknown
- Loan durations: 1 to 5 years
Funding range note: Unknown
Speed: Fast approval for eligible borrowers
Interest rate notes: APR starts from 6.9% based on risk profile.
Eligibility
- Min trading months: 12
- Min monthly turnover: £5,000
- Credit flexibility: Depends on credit history
Personal guarantee: Not typically required for lower amounts.
Homeowner advantage: Not crucial, but beneficial for securing better rates.
Services and sectors
- Products: personal_loans, business_loans
- Industries: Financial Services
Best for
- SMEs seeking straightforward loans
- Borrowers preferring fixed interest rates
Pros
- Transparent pricing
- Fixed APR rates
Cons
- Strict credit checks
Sources: https://www.ratesetter.com
5. Borsa del Credito
Borsa del Credito provides flexible lending solutions for small and medium-sized enterprises. It specialises in short-term financing secured on assets and offers quick processing times. This service is suitable for businesses seeking digital-efficient loans and rapid approval.
Loan and pricing details
- Min amount: £5,000
- Max amount: £200,000
- APR min: Unknown
- APR max: Unknown
- Loan durations: Typically 12 to 36 months
Funding range note: From €5,000 up to €200,000
Speed: Fast, typically within 48 hours
Interest rate notes: Rates vary based on the Italian/UK market and risk profile.
Eligibility
- Min trading months: 6
- Min monthly turnover: £10,000
- Credit flexibility: Flexible, aimed at short-term financing
Personal guarantee: Often required for larger amounts.
Homeowner advantage: Helps secure loans over the lower limit.
Services and sectors
- Products: SME_loans
- Industries: Technology
Best for
- SMEs seeking digital lending solutions
- Businesses needing fast approval
Pros
- Quick application process
- Suitable for tech-savvy businesses
Cons
- Limited to Euros
- PG required for large loans
Final notes
When comparing providers, match loan size, timeline, and sector fit first, then confirm current rates and fees with the finance provider. If one option declines your application, a broker or multi lender panel may still place the deal.
Choosing the right provider depends on the type of loan, speed needed, and level of security desired. Banks typically offer larger, secured loans with longer processes. Brokers can access a wider range of options, often with more flexibility. Specialist lenders focus on specific sectors like property or SMEs. For more details about the funding options, visit Funding Agent.
