Our Investment Accounts

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

Compare our accounts

Below is a table comparing our Investment Accounts. Target rates of interest vary based on the types of loans they invest in, security types, diversification of your investment, ease of access to your funds in normal market conditions and any additional cover such as a provision fund. A summary of each account can be found below.

  QAA icon

Quick Access Account
30DAA icon

30 Day Access
Account
GBBA icon

Great British
Business Account
GEIA icon

Green Energy
Income Account
MLIA icon

Manual Loan
Investment Account
Target Interest rate 3.75% p.a. gross* and capped 4.25% p.a. gross* and capped 7% p.a. gross* and capped 7% p.a. gross* and capped 6.5-15% p.a. gross*†
Who do you lend to? British businesses with realisable security British businesses with realisable security British businesses with realisable security British businesses with realisable security Any of our secured loans with available units – your choice
Investment of funds Automatic as new loans are released Automatic as new loans are released Automatic as new loans are released Automatic as new loans are released Manual but with ability to target specific loans automatically
Provision fund Yes Yes Yes Yes No
Diversification Automatic Automatic Automatic Automatic Manual
Access to your money No fees for withdrawals and with very fast access to funds under normal market conditions. No fees for withdrawals and access to funds after 30 days' notice, in normal market conditions. No fee for early withdrawal – exit possible subject to demand from other investors. Otherwise you will receive your cash back over the term of the loans held within the account which could be over a period of up to five years. No fee for early withdrawal – exit possible subject to demand from other investors. Otherwise you will receive your cash back over the term of the loans held within the account which could be over a period of up to five years. Immediate, partial, or full redemption, subject to other lender demand and no fee
Notice period None 30 days None None None
Invest from £1 £1 £1 £1 £1
See more Get started See more Get started See more Get started See more Get started See more Get started
Target
Interest rate
Who do you
lend to?
Investment
of funds
Provision
fund
Diversif-
ication
Access to
your money
Notice
period
Invest
from

Quick Access
Account
3.75% p.a. gross* and capped
British businesses with realisable security Automatic as new loans are released Yes Automatic No fees for withdrawals and with very fast access to funds under normal market conditions. None £1 Get started

30-Day Access
Account
4.25% p.a. gross* and capped
British businesses with realisable security Automatic as new loans are released Yes Automatic No fees for withdrawals and access to funds after 30 days' notice, in normal market conditions. 30 days £1 Get started

Great British Business Account
7% p.a. gross* and capped
British business with property security available Automatic as new loans are released Yes Automatic No fee for early withdrawal – exit possible subject to demand from other investors. Otherwise you will receive your cash back over the term of the loans held within the account which could be over a period of up to five years. None £1 Get started

Green Energy Income Account
7% p.a. gross* and capped
British business with property security available Automatic as new loans are released Yes Automatic No fee for early withdrawal – exit possible subject to demand from other investors. Otherwise you will receive your cash back over the term of the loans held within the account which could be over a period of up to five years. None £1 Get started

Manual Loan Investment Account
6.5-15% p.a. gross*†
Any of our secured loans with available units – your choice Manual but with ability to target specific loans automatically No Manual Partial or full redemption possible via the Aftermarket, subject to demand from other lenders – no fee. None £1 Get started

*All rates are quoted gross, before allowances for tax or any possible losses. The potential rates of return available from the Investment Accounts are influenced by whether or not the account is covered by a Provision Fund and / or reflects the ease of access to your investment funds in normal market conditions.

These rates of return are currently available to investors on the Assetz Capital platform.

Quick Access Account

Quick Access Account

3.75% p.a. target return*

We have designed our Quick Access Account (QAA) to allow P2P lenders to earn a fair rate of interest yet have the quickest access to their funds of any investment method on our platform. The QAA automatically diversifies your money across a range of secured business loans that have passed our strict credit policy. This account has a target capped interest rate that is currently 3.75% a year (before tax or allowances for any losses). The account has been designed to allow you to withdraw your funds from this account to your Cash Account in a matter of seconds in normal market conditions. The QAA also includes its own separate, discretionary Provision Fund to help to reduce the risk of loss to lenders.

* Gross return before allowances for tax or any possible losses.

30-Day Access Account

30 Day Access Account

4.25% p.a. target return*

If you don't need to withdraw your investment immediately then the 30 Day Access Account could be for you. This account offers a fair return on your investment, allowing you to earn a higher rate of interest, while providing you with a relatively short notice period in order to access your money. You only need to provide 30 days' notice in normal market conditions to withdraw your cash, or to transfer funds to other Assetz Capital Investment Accounts

Great British Business Income Account

Great British Business Account

7.00% p.a. target return*

The Great British Business Account consists of loans to Small and Medium Sized Enterprises (SMEs). Investment into this account will help you to spread your risk by diversifying into a number of different loans quickly and easily, whilst at the same time helping finance part of the UK economy.

* Gross return before allowances for tax or any possible losses.

Green Energy Income Account

Green Energy Income Account

7.00% p.a. target return*

The Green Energy Income Account is designed to make an actively diversified portfolio of loans in renewable energy projects available to peer to peer lenders. On-shore wind farms are not just the fuel providers of tomorrow; they are today’s answer to future proof energy.

* Gross return before allowances for tax or any possible losses.

Manual Investment Account

Manual Loan Investment Account

6.5-15% p.a.*†

The Manual Loan Investment Account (MLIA) has been established to allow more sophisticated investors to make manual investments in secured business loans that have passed our strict credit policy. The MLIA is designed to provide direct access to individual loans which are listed on the platform and you are able to read credit reports and set investment targets per loan that you wish to invest in. It has no provision fund so you can expect it to have the highest gross return (before tax and any losses) on our platform.

* Gross return before allowances for tax or any possible losses.
These are the rates available on loans currently listed on the Assetz Capital platform.

Assetz Capital SIPP Investment

Assetz Capital SIPP Investment

6.5-15% p.a.*†

A Peer-to-Peer SIPP allows you to share in the funding of a portfolio of loans to credit-worthy businesses using your Self-Invested Personal Pension (SIPP).

* Gross return before allowances for tax or any possible losses.
These are the rates available on loans currently listed on the Assetz Capital platform.