Assetz Capital

Founded in 2013, Assetz Capital is an award-winning P2P lender that has already lent over £1bn to businesses right across the UK.

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Max term

250k - 2.5m

Min/Max Loan

1st & 2nd


Back in 2011 the global financial crisis had wrought havoc on the UK economy. Funding for businesses had all but dried up, particularly for anything related to property and as the banks sought to rebuild their damaged balance sheet’s they also slashed interest rates on some accounts to near zero. The problems were acute, but the answer effectively lay within the problem! Businesses wanted to borrow to build houses and invest in infrastructure whilst the average man or woman on the street who had money just wanted to find ways in which it could work harder for them.The opportunity was clearly there for all and this is what the founders of Assetz saw.

Assetz was launched in 2013 with the stated aim of helping businesses invest and grow and at the same time providing everyday investors with the chance to earn fair rates of interest. By creating a simple way to invest and borrow they aimed to have a positive impact on society. To date they have already lent more than £1bn to businesses right across the UK and paid over £100m in interest to their funders. Over the last two years Assetz have funded the equivalent of 1 in every 12 houses built by SME housebuilders.  

Lending decisions are made quickly with a minimum of red tape by the hugely experienced Assetz team. They will consider borrowers with impaired credit, write both first and second charge loans and unlike many lenders their UK wide lending includes Northern Ireland. In addition to bridging finance, they offer development finance, residential refurbishment loans, secured SME term loans, commercial mortgages and Buy-to-Let loans for landlords. It is this diverse spread of lending to businesses that makes a very real contribution to the growth of the UK economy.

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Contact Assetz Capital

Assetz Capital
Assetz House
Manchester Green
335 Styal Road
M22 5LW

+44 800 470 0430

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Frequently Asked Questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What can I use a bridging loan for?

Bridging loans can be used for a wide variety of purposes. Perhaps the most common purpose is to allow you to buy a new home or business premises before you have sold your existing property. They can also be used by investors to buy property at auction, landlords to acquire buy-to-lets, developers to acquire and renovate properties and businesses to raise working capital. There are a myriad of different uses and can help to find the best loan for you.

How much can I borrow?

Loans generally range from £10,000 to £50M with smaller or larger amounts provided on an exceptional basis. The value and equity within the property or properties you are securing against will determine how much you can borrow. The maximum loan to value (LTV) currently offered by most lenders ranges between 65-80%

How do I apply for a bridging loan? can help you secure a bridging loan tailored to your own unique circumstances in a matter of days. We can guide you through the entire process from initial enquiry to funds being released in the shortest possible timeframe.

What is a business bridging loan?

A business bridging loan is a type of commercial loan that allows you to borrow money quickly over a shorter period than a typical bank loan but usually at a somewhat higher rate.

What can a business bridging loan be used for?

A business bridging loan can be used for a huge variety of different purposes. Most commonly they are used for major purchases such as property, for new equipment and machinery as well as to acquire stock. They can also be used as working capital and by new businesses that require a cash flow injection.

Can a business bridging loan be used to resolve short-term cashflow issues or to meet other liabilities such as tax?

Yes. They can be a great way for small, medium or even large businesses to secure a cash injection. Securing business finance from a traditional lender can be challenging as High Street lenders usually want to review a business’s past performance by way of profit and loss accounts for the preceding years. Whilst traditional lenders will put businesses through rigorous stress tests bridging lenders will focus instead on each business’s ability to repay the loan not past performance. For bridging lenders, the asset being used as security and the exit strategy are key.

What can be used as security against business bridging loans?

 A vast majority of businesses will use property or land as security when taking out a bridging loan. There are however a small number of specialist lenders that are prepared to secure bridging loans against equipment, the value of unpaid invoices and projected future sales or even against equity in the business.

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