Invest, your way
We've created different kinds of accounts for different kinds of investors. Whether you're looking for a hands-off investment approach or want to choose your own loans to invest in, we've got an account for you.
The returns vary across our accounts and can depend on your preferences, so it's important to understand how each account works before investing.
Plus, to help maximise your return, you can wrap your account in an IFISA, which allows you to invest up to £20,000 a year tax-free.*
Take a look at our accounts and decide which is right for you.
If you are new to peer-to-peer lending or if you haven’t invested with us before, please visit our Key Investor Information page.
* The tax treatment of your investments can depend on your personal circumstances and this could change in the future.
These accounts automatically invest your money across as many matching loans as possible. As with all investments, there's a balance of risk and reward. In this case your capital is at risk and you are not covered by the Financial Services Compensation Scheme.
* Access times relate to normal
market conditions and cannot be guaranteed.
** Target interest rates are quoted gross (before any tax and possible losses) and are capped at the quoted rate although actual returns could be lower.
|Account name||Loan selection||Target interest rate**||Access times*||Provision fund
|Quick Access Account*||Automatic||3.75% p.a.||Almost immediately||Find out more|
|30 Day Access Account*||Automatic||4.00% p.a.||30 days' notice||Find out more|
|90 Day Access Account*||Automatic||4.10% p.a.||90 days' notice||Find out more|
The Provision Funds we offer do not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The funds have absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Provision Funds when considering whether or how much to invest.
Please see also our Provision Fund policy
If you want to be in complete control, our Manual Lending Account lets you pick which loans to invest in, and when to sell your share.
|Manual Lending Account||Manual||4.04 - 11.10% p.a.†||Repayment / sale of loans||Find out more|
† Gross return on loans currently available on the Assetz Capital platform before allowances for tax or any possible losses.
Why Assetz Capital?
We’re powered by people
Because you’re directly connected to people who want to borrow money, our borrowers pay fair interest rates on their loans and you get a fair rate of return.
We back homegrown businesses
Our borrowers are UK businesses that are helping power our economy, building homes, creating jobs and investing in their businesses.
We make things surprisingly simple
You can choose an account that automatically allocates your investments for you, or one that lets you do it yourself. Our dashboard makes it easy to manage your accounts and track your investments.
We're totally transparent
You can always find out who you're lending to, whether you choose loans yourself or let our systems allocate your investments for you. That means full access to details of the borrower, credit reports and loan documents.
We take risk seriously
We’re upfront about the risks, but we also help you manage them. We run strict credit checks. We always ask for security valued more than the loan itself.
We have the numbers
We’ve helped 41,078 investors earn £196m so far.