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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.

The Royal Oak Inn

Lostwithiel, Cornwall

With peer-to-peer loan raised via Assetz Capital alongside their own funds, Graham Tobias and Simon Elliot, joint-landlords of The Royal Oak Inn, were able to acquire the freehold to the popular traditional pub.





Graham Tobias and Simon Elliot have a great deal of experience in the hospitably sector. They have been running this business since 2014, and have already invested over £70,000 on improvements to the thriving business that employs eight staff.

When the opportunity arose to purchase the building at a pre-agreed discount, they turned to our specialists at Assetz Capital to tailor a commercial mortgage enabling them to make fixed repayments with security taken as a first charge over the property.

The Royal Oak Inn
The Royal Oak Inn


The funding has enabled Graham and Simon to buy the popular 19th Century pub outright with a plan to exit the loan by refinancing within five years.

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