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 borrowers were unable to repay their loans. 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.

Assetz Capital Innovative Finance ISA

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

Earn tax-free income with an Innovative Finance ISA from Assetz Capital

The new Innovative Finance ISA (IF ISA) is available from 6 April 2016 and Assetz Capital is preparing to launch our own ISA. This will allow you to invest in Peer to Peer loans within a tax free ISA wrapper for the first time and make the returns even more attractive!

All four existing Assetz Capital P2P investment accounts will be available as IF ISAs. These accounts include our headline Quick Access Account, which has attracted over £30 million of inward investment in just six months.

You will be able to manage your new IF ISA using the same login and dashboard as non-ISA accounts and from a single login making management of your money quick and simple.

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.

You can invest up to £15,240 into an IF ISA in 2016/17

  • You can invest up to £15,240 per person per year into an IF ISA in the 2016/17 tax year
  • You can invest up to £20,000 per person per year into an IF ISA in the 2017/18 year and beyond
  • Your ISA investment can be split between P2P platform, Cash and Stocks and Shares.
  • You can transfer cash into an IF ISA from existing Cash ISAs or Stocks & Shares ISAs, including past year's ISA investments.

Fair returns with no fees

  • You can invest in an Assetz Capital IF ISA from as little as £1
  • We charge absolutely no fees to our P2P lenders, so the rate you see is the rate you get*
  • Earn tax-free interest income, with yearly rates ranging from 3.75 to 15%*†
  • Investing inside an IF ISA can boost your returns by as much as 81.8% depending on the highest marginal rate of tax that you pay
  • You can invest in loans from a wide range of UK companies and property developers
  • Investing in British businesses through Assetz Capital supports the UK economy and creates jobs

Great IF ISA rates from a name you can trust

  • Our Quick Access Account (QAA) pays a target return of 3.75% a year* and is backed by a discretionary loss-provision fund
  • Our Great British Business Account (GBBA) pays a target return of 7% a year* with a discretionary loss-provision fund
  • Our Green Energy Investment Account (GEIA) pays a target return of 7% a year* with a discretionary loss-provision fund
  • Our Manual Loan Investment Account offer loans with yearly rates ranging from 6.5 to 15%*†

*Before any loan losses beyond what may be covered by the discretionary provision fund
These are the rates available currently on the Assetz Capital platform

Provision funds protect your investment by minimising predicted loan losses

  • All Assetz Capital loans are secured against tangible assets (such as property), helping to reduce risk of loss
  • Three of our four accounts come with built-in discretionary loss-provision funds to absorb predicted loan losses
  • Three of our accounts automatically diversify your lending funds for you
  • Through our Manual Loan Investment Account, experienced lenders can pick their own P2P loans

You can invest for as little as a day to as long as you want

  • You can invest in loans with durations ranging from one month to five years
  • You can automatically reinvest your interest income and capital repayments into more loans
  • You can also buy and sell loans in our aftermarket (secondary market), subject to demand from other lenders
  • Investing through the quick access account could permit investment from just one day, in normal market conditions. Loans available for investment can be for up to five years if you are looking for long term returns.

*Before any loan losses beyond what may be covered by the discretionary provision fund
These are the rates available currently on the Assetz Capital platform

Risk Warning: As with most forms of investment, peer-to-peer lending carries a degree of risk to your capital; in this case, if borrowers were unable to repay their loans. 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.