Finance, powered by you.

Peer-to-peer lending is where people like you lend money to other people and to businesses. You can invest with us whether you’ve got £1 or £1m, with a simple way to put your money behind UK businesses to help them grow. In return, you get the potential to earn from 4.10% p.a. gross target loan interest.

Together, we can create a fairer way to do finance.

As with all investments, you’ll take some risks. In this case, your capital is at risk and isn’t protected by the Financial Services Compensation Scheme. But we’ll help you understand and manage these risks.

What is peer-to-peer lending?

Our story so far

Since 2013, we've been helping our investors to support UK businesses via secured loans.

37,238

Total number of investors on our platform

£936m

Total we've lent to UK businesses to date

£101m

Total gross interest earnt by investors to date

An account for everyone

We know that one size doesn't fit all, so we've created a range of accounts for different kinds of people. Take a look and decide which one suits you.

Investing is a balance of risk versus reward. It’s important to remember that investment in peer-to-peer loans isn’t covered by the Financial Services Compensation Scheme and it’s not a bank account. Remember, your capital is at risk.

* Target interest rates are quoted gross (before any tax and possible losses) and are capped at the quoted rate although actual returns could be lower.

Understanding risk

Almost everything we do in life involves a balance of risk versus reward, and investing is no different. Whenever you lend money to somebody else, you get the potential to earn interest as your reward, but there's a chance you might not get your money back, leading to a reliance on the security backing the loan. Even with loan security, there is no guarantee that there will never be a loss.

We'll help you understand some of the main risks involved and explain what we do to help you minimise them.

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Earn more - invest tax-free

The Government lets you invest up to £20,000 each year tax-free in an ISA. You can 'wrap' any Assetz Capital account in an IFISA, so that you don't pay tax on the interest you earn, and you can transfer in any other ISAs you have and invest those too.

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Don't just take our word for it