Borrow Home

The real solution for UK businesses.

Since 2013 our goal has been to fill the funding gap, helping SMEs, property developers and house-builders find funding that fits.

We’re approaching £2bn pounds lent through our real world lending solutions and we are proud lenders in all sectors, so take a look to see how we can help you achieve your business ambitions through property-secured lending.

Why choose us?

We’ve funded around 1 in every 12 new homes built by SME house-builders in the last couple of years, and supported the growth of many types of businesses from manufacturers to care homes, wholesalers to hotels, pubs, student accommodation and much more, but we’re not finished yet.

Combining real world lending solutions, cutting-edge technology and our own property experts, we make it as easy as possible for businesses to purchase, build, mortgage or refurbish their property.

Please watch the video on the left to find out more.

What our borrowers think.

Forge Care
Forge Care

Without Assetz the project wouldn’t be happening, it’s as simple as that. They’ve both been really supportive and overwhelmingly positive. Assetz were creative in finding ways to make it smooth. Having that support was really important, they were always there, and we can’t thank them enough.

Gavin Miller
Forge Care
Potterspury Equestrian Centre
Potterspury Equestrian Centre

The banks offer we had was to borrow the money in a year’s time at an exorbitant rate – if we’d done that, this opportunity would have passed. Assetz Capital was able to be flexible and provided funding quickly and simply.

Alison Worker
Potterspury Equestrian Centre
Amor Homes Ltd
Amor Homes Ltd

Assetz Capital have always been very honest and very transparent. The in-house team have been very helpful and pro-active. Funding has been incredibly useful for us and we’re delighted to have been able to continue our building work through it.

Dave Bracegirdle
Amor Homes Ltd
Aspire Homes
Aspire Homes

Assetz Capital have been great throughout, they understood our vision and supported us during the entire process. Their knowledge of the market and desire to support house-builders has made us feel valued and we look forward to continuing our relationship with them.

Paul Whitehead
Aspire Homes

Quick enquiry form

Our application process is simple, fill in the fields below to submit your enquiry and our team will be in touch.


Alternatively call us on 0800 470 0430 (option 2)

Quick enquiry form

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Full product guide
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Loan process explained
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Loan application form
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A. The Process
Once I apply for a loan, how long will it take to process?

Our Relationship Directors will meet with you soon after an enquiry or application has been made.

They will collect the required information needed to write a credit report. This will take 2-3 days to write and then will need to be checked.

Upon successful sign off by our credit team the legal process can begin. The timescales for this process can vary dependant on the responses from the clients nominated solicitor.  Our underwriting facility means that once all the paperwork is in place, loans can be funded immediately upon completion of the legal process.

How can I apply for a loan?

To apply for a loan simply register as a borrower and one of our Relationship Directors will get in touch with you to collect the some initial information.  Alternatively, contact your finance broker, who will be able to help you with the application process.

B. Fees
What happens if I miss a repayment?

Whilst we remain sympathetic to cashflow issues that may mean repayments are missed, this remains an Event of Default. If a payment is not made on the due date, Assetz Capital has the ability to charge default interest (as advised in your Loan Agreement) on the balance of the loan until the missed repayment is made. Should this not happen, and should a new agreement not be reached then Assetz Capital ultimately has the ability to call up any and all of the security you have granted to obtain full repayment.

Are there any extra charges from borrowing money through Assetz Capital?

Whilst there are charges for borrowing money from us, these are generally negotiable and will be agreed prior to any loan being listed.

Is there an early repayment fee?

Whilst we do not generally charge early repayment fees some loans may attract a minimum charging period, although this will be advised and agreed prior to any loan being listed.

C. General
Why do borrowers not go to the banks if loans are secured?

Since the credit crunch and start of the recession, the appetite of banks for risk has reduced significantly and this means they have tightened their lending criteria. As banks are very large organisations, they have to set and enforce strict criteria across the board. This can lead to inflexibility and there are many borrower proposals which are rejected by banks for failing to meet lending criteria in a very limited way.

As a smaller organisation with a lot of lending experience on the team, Assetz Capital is able to be flexible and use judgement as to whether proposals are worthy of support, despite the fact they may not fully meet a clearing bank’s lending criteria.

Do I have to disclose personal information to investors?

The choice is yours as to how much information you wish to divulge and if the business is to remain anonymous. Some lenders choose to do additional due diligence of their own, so disclosing as much information to them as possible can be advantageous. They may wish to visit your website or look at your competitors before they make a decision to lend.

What type of loans can Assetz Capital facilitate?

Assetz Capital provides fast and flexible finance to UK SMEs and Property Developers through an established community of lenders. We can facilitate:

  • Commercial mortgages
  • Secured SME term loans
  • Development finance
  • Buy-to-let for Landlords
  • Bridging finance