With our Commercial Mortgages we can provide fast, flexible finance to UK Businesses mortgaging their own premises or for commercial landlords.
As with most forms of investment, peer-to-peer lending carries a degree of risk to your capital; in this case, if the borrower is unable to repay their loan. At Assetz Capital, we seek to reduce this risk to our investors by taking asset security on every loan, with the added benefit of a discretionary Provision Fund for some of our investment accounts. Investment Account target interest rates should be considered along with the relevant Investment Account expected defaults & losses information. Past performance does not guarantee future performance. We recommend that prospective lenders read the Key Investor Information pages before investing.
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Assetz Capital has attracted funds to lend to UK businesses that would not normally be available to UK banks. These funds are awaiting deployment.
Within five days of our application pack and due diligence being completed.
Our Relationship Directors each have in excess of 15 years experience in lending and can help you and your business get the right type of funding you need with face to face meetings.
Our loans aren’t matched to rigid profiles, nor do they frustrate you with ‘computer says no’ but instead we offer to take the time to understand your business and its future income generation and be flexible in our offer.
Interest only periods, partial amortisation only over loan term (bullet), ad hoc facility repayments and early repayment (usually without Early Redemption Charges) all structured to meet your needs. Over 95% of our loans are not standard amortising loans.
Our Relationship Directors will explain everything to you and make the whole application process as simple and quick as possible.
Not only first charge but second charge property security considered. Property isn't always required with our secured loans; plant, machinery, stock, debtors and other types of tangible security are also considered on their own or in addition.
We appreciate that some businesses are good businesses even in a poor industry sector.
We are specialists in lending to this sector, whether a self contained wind turbine or an onsite business renewable energy plant – this includes funding the construction phase.
We are specialists in lending to developers with Senior or Stretch Senior debt and will lend on houses and apartments as well as certain commercial projects. We can even introduce a pre-sales solution to de-risk your exit and reduce the equity you require.
In some cases we do not require personal guarantees.
All loan offers are priced for risk, not one size fits all.
All fees and costs are outlined in our Decision in Principle letter and Offer Letter.
We can lend to young businesses and those that have been in difficulty as we understand the whole lifecycle of a business. Over 10% of our loans were made to businesses under 3 years old or that had some form of adverse information.
We work directly with the business owners. 100% of our loans have had at least one face to face to put together the ideal loan offer.
Our Secured SME Term Loans can be backed with property or with other security (such as debentures, personal guarantees and equipment) and we can offer fast decisions in principle for a flexible finance solution to suit the business.
Assetz Capital can offer competitive finance for a variety of Green Energy projects that include anaerobic digesters, solar energy and onshore wind turbines. We are considered one of the largest funders of renewable energy projects in the UK.
With decades of experience, our property development lending team are experts in the industry over many cycles. This enables us to understand each project in detail and help find a competitive solution to often complex transactions.
Working in tandem with our sister company Assetz for Investors, Assetz Capital can offer a pre-sales solution for both apartment and housing schemes. This is a smarter way for you as a developer to make your equity stretch further and turn around developments quicker and with less exit-risk.
Whether a new or seasoned landlord looking to take advantage of current market conditions, Assetz Capital can help. We lend to experienced landlords or their Limited Company (Including SPVs), accept some light adverse and will actively consider overseas landlords (non-dom and ex-pat) owning UK properties.
Since the credit crunch, 'hunting licence' finance facilities have been withdrawn. Assetz Capital reintroduces this facility with our Property Investor Hunting Licence, available to businesses wanting to trade, develop and invest in property.