Close risk warning

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.

Renewable Energy Loans

About Renewable Energy Loans

Many renewable energy projects have seen a set back with the recent reductions in Feed In Tariffs and other Government support making finance more difficult. Nonetheless, Assetz Capital, as one of the largest funders of renewable energy projects in the UK, is very supportive of both construction and operational finance and can provide competitive finance rates and LTVs for one or both of these stages of a project. Onshore wind turbines, anaerobic digesters, solar energy and other types of project are considered.

Fast Facts

Product Benefits

Introducer Benefits

  • A dedicated Relationship Director will work with you to maximise your understanding of our great range of flexible finance products

  • We can supply mailers, term sheets and case studies ready to send out to your clients, co-branded if required

  • We pay procuration fees to introducers where this does not create a conflict of interest

  • One relationship, lots of products to suit different clients

Indicative Terms Sheet

Each facility will be structured and priced on its own merits. We will consider terms outside the above LTV and maximum loan guidelines where the circumstances of the loan warrant it.

Loan Type Construction Phase Operating Projects
Commitment Term Up to 5 years
Amortisation Profile
(Interest only periods may be available)
Up to 15 years
Maximum LTV 70%
Preferred LTV < 65%
Maximum Debt £5m
Preferred Debt £100,000 - £1m
Arrangement Fee Negotiable but typically 2%
Interest Rate
(Rate dependent on risk and loan size)
< 50% LTV from 8.9% min
50-60% LTV from 9.4% min
60-70% LTV from 11.9% min
< 50% LTV from 6.9% min
50-60% LTV from 7.9% min
60-70% LTV from 8.9% min

In Detail

    • First charge security taken over the land on which the project is located on in mainland UK and NI
    • Debenture required over the company or SPV in which the project operates
    • Insurance policies and warranties required on the machinery and these to have Assetz Capital as 1st Loss Payee and Notified Party respectively.
    • Additional security may be required including debentures and supplementary legal charges
    • Interest charged daily subject to minimum loan term (specific to each loan)
    • We will lend to an individual or Limited Company (including SPVs) and are able to consider overseas jurisdictions owning UK projects, subject to suitable foreign legal opinions
    • Broker fees will be added to the loan where the LTV allows and paid on completion. Responsibility for advising the Borrower on structure and pricing will be solely that of the broker
    • Details of a viable exit will be required and in some cases we may request evidence of this
    • Lending will be based on the value created using a discounted cash flow method and reported to Assetz Capital by an Independent Valuer speciailising in renewable energy products.
    • Allowances for construction periods prior to commissioning can be made, however failure to meet a commissioning date may impair the value of the project and require further capital injection from the owners
    • Impaired credit will not be considered
    • Assetz Capital reserves the right to appoint an independent consuktant to make an appraisal of the project at any time during the loan.
    • The borrower is responsible for all professional fees and an undertaking/cover for legal and other professional costs will be required
    • Title Insurance will be a requirement on loans where they fit the relevant criteria and the fee for this will be included in the legal cost
    • Please note: Assetz Capital does not provide FCA regulated mortgage contracts or regulated Consumer Credit loans
Residential Buy to Let

Brochure Download

Click on the link below to download a pdf version of the loan details, with the product benefits, indicative terms and a case study all included.