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

5.50-15.15% p.a. gross return*†

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

Our proposition

The Manual Loan Investment Account (MLIA) has been designed to allow manual selection of loans without the protection of a Provision Fund and, as such, provides the highest gross return (before tax and allowances for any losses) of all of our investment accounts. Nonetheless it requires time to read credit reports on each loan, make investment decisions and buy and sell loan parts in a diverse range of loans. Even though we take realisable security on every loan we advocate making investments in at least fifty loans on relatively equal basis in order to benefit not just from a wide diversification of risk across multiple loans, but also to reduce exposure to the risk of any one loan.

Current Available Loan Rates

5.50-15.15% p.a.*†

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.

*

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.

Here's how it works

  • £1 minimum

  • Loans included within this account should typically repay between one month and five years based on their contracted repayment dates (their due date for repayment). However the account permits you to sell part or all of your investment in a given loan at your request at any time prior to that via the Aftermarket, subject to continued demand for these loans from other investors.

  • Loans available to invest in within the MLIA range from annual interest rates of 5.50-15.15% p.a. (before tax and losses). No provision fund is available on this account. You could receive less than this quoted rate of return per loan if a loan was to default and the security taken turned out to be less in a recovery than originally expected and valued.

  • All loans that pass Assetz Capital credit policy and have available loan units may be held within the Manual Loan Investment Account.

  • The Manual Loan Investment Account will require you to manually buy and sell a wide range of loans in order to diversify the funds which you allocate to it across many matching loans at any given time.

  • You will have the ability to add to or reduce your investment in your account. If after your initial purchase you would like to increase or decrease the amount invested in your account then, subject to availability and demand, you may do so.

  • You will receive interest and/or capital repayments on loans within your account and you can choose to set your account to automatically re-invest such income back into the account (if it is still open for investment) or back into your Cash Account for investment in other loans or Investment Accounts.

  • The Manual Loan Investment Account will be open for an undetermined period. However, at some point the Account Series may be closed for investment and all capital and interest received back on loans within this Account over time will be repaid to your cash account or to another Account of your choice. A new Quick Access Account Series may be issued in the future if any material changes are required to these Terms but your current investments in prior Series would be unaffected.

  • This Investment account does not participate in the Assetz Capital Provision Fund. Please see the main Provision Fund terms for full details and the accounts that it protects.

  • It is also possible to invest automatically in loans in the various other automatic Investment Accounts on our platform. These other accounts are designed to automatically diversify you and invest in different selected loans according to each Investment Account investment objective. They also may have the benefit of our Provision Fund (see above). If you are short of time or want the added protection of a Provision Fund please consider these accounts and read more about them here.

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