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.

How Peer-to-Peer Lending Works

Credit Awards Best Peer-to-Peer Lender 2016 defaqto 5 star - peer to peer lending 2016

Welcome to the Assetz Capital Peer-to-Peer platform

The lender team are happy to assist with any queries you may have in using the Assetz Capital platform. They can be contacted on enquiries@assetzcapital.co.uk or 020 7870 1023. Our office hours are 9am – 5.30pm Monday to Friday.

What is Peer-to-Peer lending?

Peer-to-Peer investment involves lending your money directly to individuals or businesses without going through traditional financial intermediaries such as a bank.

Generally the process offers greater transparency and may offer a fairer rate of return than traditional investments but it does carry a degree of risk to your capital if the borrower is unable to repay their loan. In the UK, Peer-to-Peer lending is regulated by the Financial Conduct Authority (FCA).

The Assetz Capital platform

Assetz Capital is a web-based Peer-to-Peer lending platform offering investors the opportunity to lend directly to UK Property and SME businesses

Through our nationwide team of Relationship Directors, we take the time to visit every potential borrower to establish whether they are credit-worthy businesses before we introduce them to our lenders.

Investors pay no fees for using our platform and typically earn interest on a monthly basis.

Unlike many other Peer-to-Peer platforms, Assetz Capital seeks to reduce risk to our investors by taking asset security against every loan.

The Assetz Capital process

Assetz Capital sources a loan, meets the prospective borrower and provides all the necessary documentation to assist you in making an informed decision on whether to invest in the business or not.

Once the rate of interest and the security has been determined and agreed, the loan is then funded by individual investors and/or a financial institution.

After funding, the loan amount is held in a segregated client money account in accordance with FCA rules, while the borrower's security goes into the Assetz Capital Trust, our security trustee, to be held on behalf of lenders.

Once security is in place the borrower can then “draw down” the loan and start paying the pre-agreed amount of interest.

Business structure diagram

How to register on the Assetz Capital platform

Prior to being able to invest via the Assetz Capital platform you will need to register. This is a straightforward process but as you will appreciate for money laundering reasons we do need to ensure that all information entered is verified via the relevant credit agencies.

If for any reason you are unable to complete your online registration our Lender Team will be happy to try and resolve any issues you may have.

Watch the video for more information.

How to deposit on the Assetz Capital platform

Once you have successfully registered on the platform, and before you can start investing in loans, you will need to deposit money into your account ready for you to then allocate the funds into the investments that you choose.

This is a straightforward process and your account is typically credited within an hour.

Watch the video for more information.

How to invest on the Assetz Capital platform

Automatically Invest

For a more hands-off investment experience choose an Assetz Investment Account, such as our Green Energy Income Account, that will ensure your funds are autodiversified across a number of loans in order to help you spread your risk.

Manually Invest

For a more hands-on experience you have the option to handpick one or a selection of business and property loans though our Manual Loan Investment Account. Within this facility you can choose your own level of risk to reward ratio from our complete list of loans.

If you choose this option, please remember to diversify your investment across a number of loans to spread your risk.

How to withdraw funds from the Assetz Capital platform

After investing in loans at some point you may wish to withdraw your funds (or part of your funds) for use outside the platform.

To do this simply select the account you want to withdraw funds from and transfer the funds to your cash account. After clicking the Withdraw button, useful pop-ups will guide you through the process and when the units have been sold through the aftermarket the cash will be automatically transferred to your cash account.

When they have arrived, instructing a transfer to your bank account is then just a few clicks away. Watch the video for more information.

Next Steps

We hope that this general introduction to Peer-to-Peer investing was useful. Further information and help can be found in our Resource Centre.

Our platform is free to register and once you have joined you will be able to explore the available loans and view comprehensive details of each loan available.

If you have any further questions or queries, please contact our lender team on 020 7870 1023. Our office hours are 9am – 5.30pm Monday to Friday.