We are currently operating a queuing system for new investment into the Access Accounts and as a result your funds will be invested at a slower pace than usual. Click here to find out more.

Finance, powered by you.

Earn a target interest rate up to 4.10% p.a (before tax and any possible losses) through our Access Accounts

Invest in secured peer-to-peer business loans and support UK SMEs and property developers

Earn tax-free loan interest when you invest through our Innovative Finance ISA

As with all investments, you’ll take some risks. In this case, your capital is at risk and isn’t protected by the Financial Services Compensation Scheme. But we’ll help you understand and manage these risks.

Our story so far

Since 2013, we've been helping our investors to support UK businesses via secured loans.

40,668

Total number of investors on our platform

£1.4bn

Total retail and institutional funds lent to UK businesses to date (including CBILS loans arranged through Assetz Capital Lending Limited)

£176m

Total gross interest earnt by investors to date

An account for everyone

We know that one size doesn't fit all, so we've created a range of accounts for different kinds of people. Take a look and decide which one suits you.

Investing is a balance of risk versus reward. It’s important to remember that investment in peer-to-peer loans isn’t covered by the Financial Services Compensation Scheme and it’s not a bank account. Remember, your capital is at risk.

* Target interest rates are quoted gross (before any tax and possible losses) and are capped at the quoted rate although actual returns could be lower.

Understanding risk

Almost everything we do in life involves a balance of risk versus reward, and investing is no different. Whenever you lend money to somebody else, you get the potential to earn interest as your reward, but there's a chance you might not get your money back, leading to a reliance on the security backing the loan. Even with loan security, there is no guarantee that there will never be a loss.

We'll help you understand some of the main risks involved and explain what we do to help you minimise them.

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Earn more - invest tax-free

The Government lets you invest up to £20,000 each year tax-free in an ISA. You can 'wrap' any Assetz Capital account in an IFISA, so that you don't pay tax on the interest you earn, and you can transfer in any other ISAs you have and invest those too.

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Isa Illustration

Don't just take our word for it