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.

The Manual Loan Investment Account

5.50-18.00% p.a. gross return*†

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

Due to the fact that individual lenders can choose to be in just one, some or all of the loans available via the Manual Loan Investment Account (MLIA), it is not possible to give an Annualised projected return that would reflect those individual investment choices. Lenders manually choose the makeup of their individual selected investments all of which will have different criteria and gross interest rates, therefore we cannot give one overall projected return. We can only highlight that there is a risk of capital losses being incurred which could include a total loss despite taking asset security and that our current Expected Loss across the whole loan book is 0.31%. We recommend that prospective lenders read the Key Investor Information pages before investing.

*

Gross return before allowances for tax or any possible losses.

All rates are quoted gross, before allowances for tax or any possible losses. These rates of return are currently available to investors on the Assetz Capital platform.

Why consider investing in the Manual Loan Investment Account?

Our 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. It has no provision fund so you can expect it to have the highest gross return (before tax and any losses) on our platform.

The MLIA is designed to provide direct access to every individual loan which is listed on the platform; you are able to read credit reports and set investment targets per loan that you wish to invest in.

Current Available Loan Rates

5.50-18.00% p.a. gross return*†

As with most forms of investment, peer-to-peer lending carries a degree of risk to your capital; in this case, should the borrowers be unable to repay their loans. At Assetz Capital, we seek to reduce this risk to our investors by taking asset security on every loan. Asset security does fluctuate in value over a period of time and, at point of default of a loan, may not be sufficient to cover the outstanding capital, which would result in a loss for the lender. To see our past performance on recovery please see our Defaults and Losses page. Past performance does not guarantee future performance. We always recommend that prospective lenders read the Key Investor Information pages before investing.

*

Gross return before allowances for tax or any possible losses.

All rates are quoted gross, before allowances for tax or any possible losses. These rates of return are currently available to investors on the Assetz Capital platform.

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Investing with Assetz Capital

By investing in the Manual Loan Investment Account you will receive the published gross return* on each loan whilst at the same time helping finance part of the UK economy.

We take asset security on all loans with a view to protecting our clients’ investments. Unlike lightly secured or unsecured lending, we don't just rely on personal guarantees but instead we take charges over property, equipment and other assets worth considerably more than the loan.

*

Gross return before allowances for tax or any possible losses.

What is the Manual Loan Investment Account?

We include all loans that have passed the Assetz Capital credit policy and that have available loan units to invest in the Manual Loan Investment Account. This includes a broad spectrum of loans to businesses that makes up this country’s rich and varied business community including manufacturing, service and distribution industries. Should you choose to invest in this account you can be assured that your investment will only fund loans that have passed our stringent credit checks. You will however have to consider manually diversifying across many loans in order to help spread your investment risk. If you prefer your investment to be automatically diversified across a range of business loans and also protected by a discretionary Provision Fund, then please see our other investment accounts that come with Provision Fund protection.

Key Features

  • The Manual Loan Investment Account (MLIA) account has a variable interest rate that is dependent upon the interest rates of the loans you manually choose to invest in;
  • All loans funded are highly secured against loss with realisable security taken that helps to ensure that the potential for loss is minimised;
  • Loans are available in the MLIA with 5.50-18.00%*† return per annum (before tax and any losses);

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

  • Investments in the MLIA receive the full Lender interest rate (after Assetz Capital borrower monitoring fee deduction) so are not protected by automatic inclusion in a separate, discretionary Provision Fund that is intended to help to protect investors from income delays or income and/or capital losses, as may be the case with other Assetz Investment Accounts;
  • If you wish to invest in a loan or sell part or all of a loan investment you may set investment targets which initiates buy and sell orders of holdings in that loan and the marketplace will seek to carry out your investment trades as soon as there is demand from other investors to sell to you or buy from you;
  • All investments can be tracked, monitored and managed through our comprehensive and market leading portal;
  • Interest (income) is earned throughout the month on each loan on its interest due date;

A Selection of Our Recent Manual Loans

Example loan list

If you have an interest in this form of investment please read the Proposition for more detailed investment information.

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