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.

Secured SME Term Loans

0800 470 0431


The personal information we collect from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services or finance. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found at

If you are looking to raise business finance, have a client looking to raise business finance, or have any other question or enquiry, please call our Business Development Team on 0800 470 0431 who will be delighted to help you. Alternatively please send an email to if you are looking for your own business or for a client's business.

If you prefer to contact your local representative directly, please use the Find Your Local Relationship Director section.


Borrowing enquiry   Introducing enquiry

About Secured SME Term Loans

To grow, businesses need to invest and our Term Loans with flexible security allow businesses to invest and grow. From financing cash flow required to enable growth, to purchasing fixed assets for the business we assess your situation and tailor a solution to your needs. We prefer property security (not necessarily owned by the business but perhaps a director) but will also accept all forms of other tangible security including (but not limited to) debentures over the company, stock, contracts, personal guarantees, some vehicles and boats, plant and machinery etc.

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 Property Security Other Security
Commitment Term Up to 5 years
Amortisation Profile
(Interest only periods may be available)
Up to 10 years
Maximum LTV 75% 70%
Preferred LTV < 65% <60%
Maximum Debt £5m £5m
Preferred Debt £100,000 - £2m £100,000 - £1m
Arrangement Fee Negotiable but typically 2.5%
Interest Rate
(rate dependent on risk and loan size)
< 50% LTV from 7.9% min
50-60% LTV from 8.4% min
> 60% LTV from 8.9% min
< 50% LTV from 9.5% min
50-60% LTV from 9.9% min
> 60% LTV from 10.9% min

In Detail

    • First and Second charge security taken over acceptable property in mainland UK and NI. Please note, Assetz Capital cannot take 1st charge security on primary residential properties as this would constitute a regulated mortgage
    • Debenture over company
    • Fixed and floating charge over company name
    • Personal guarantee, or joint & several personal guarantees
    • Chattel mortgage over assets
    • Corporate Guarantee OR Inter-company guarantee between company name and company name
    • Charge over Life Policy over the life of individual's name
    • Ships Mortgage over the vessel
    • Charge over Key Man Insurance policy
    • 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 properties, 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
    • In some cases details of a viable exit will be required and we may request evidence of this
    • For property security, lending will be based on the market value (180 day), however, we reserve the right to lend based on the 90 day value should we deem it necessary
    • For other security types, an independent valuation will be required and the loan must amortise sufficiently to annul any depreciation in the value of the asset being used as security.
    • Impaired credit will be considered on a case by case basis
    • 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
    • Commercial properties considered
    • Please note: Assetz Capital does not provide FCA regulated mortgage contracts or regulated Consumer Credit loans
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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.

Case Study

Find out how Phillip Gosling expanded his aesthetic vaporiser manufacturing business with the help of Assetz Capital.

View case study
Northern Vaporisers