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.

Key Investing Information

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

Investing with us

At Assetz Capital, we believe that it’s important for prospective investors to understand how peer-to-peer lending works, what the risks are and what you can do to mitigate them.

Placeholder image

Asset security

There is always risk in lending money for interest returns.

The risk you face in lending money is that if the borrower cannot repay the loan, you may lose some or all of your capital. However, we take asset security on every loan, so that if a borrower does default, investors should expect to recover some or all of any loss through recoveries from the security pledged by the borrower.

Our expected loss rate

When lending there is always a risk the borrower may default and in some extreme cases capital may be lost.

A default is a breach in any of the conditions of the loan such as failure to make a timely payment or another significant credit event. The good news is, this happens only to a small percentage of borrowers (about 6 in 100) but because Assetz Capital takes security against every loan, the actual expected loss rate is as low as 0.43%.

Click below for further clarification.

Your tax liability

The return you receive with us on your investment is paid gross.

No tax is deducted “at source” by peer-to-peer lending platforms. Our lenders are responsible for the payment of any tax due of them to HM Revenue & Customs. Tax will be payable at your marginal rate. We are not able to offer specific tax advice so we recommend that you consult a tax adviser if you are uncertain about the treatment of your investment returns.

Your likely actual return

Rates of loan interest / investment return on our web site are shown as gross rates.

We do not charge fees to our lenders currently but you should make allowances for tax and expected default rates and losses (please see above) when calculating your likely net return. This will allow you to make a more meaningful comparison of likely actual returns to other forms of investment.

Placeholder image


The Financial Services Compensation Scheme

It is important for our lenders to be aware that, like all peer-to-peer lending platforms, we fall outside of the scope of the Financial Services Compensation Scheme ("FSCS"), though we are regulated by the Financial Conduct Authority ("FCA"). This means that, should a peer-to-peer lending platform fail for any reason, those investing (lending) directly via the platform would have no recourse to the FSCS.

Our loans and investment accounts

A variety of loans types are on offer across a number of sectors. View our loan types for full details or perhaps target a particular loan type through our investor accounts.

Our loan types   Our investor accounts