Assetz Capital
Assetz Capital is a British property-secured business lender that began as a peer-to-peer marketplace and later moved new lending to institutional funding.
Last updated August 25, 2026
AI crawler reads
No AI crawler has read this profile since Oct 28, 2026.
Overview
Assetz Capital is a United Kingdom-based lending brand focused on property-secured finance for small and medium-sized enterprises, property developers and other business borrowers. It was created within the wider Assetz group founded by Stuart Law and began operating as a peer-to-peer, or marketplace, lender in 2013. Its original model connected private investors with businesses seeking loans, while using tangible security—often property or other assets—to reduce potential losses if a borrower failed to repay. This structure distinguished the platform from unsecured business lenders and made property-backed commercial lending central to its proposition. The company’s initial growth was rapid. In its first year it reported lending more than £19 million, and by early 2017 it said that cumulative lending to British small and medium-sized businesses had exceeded £200 million. During its early development, Assetz Capital expanded beyond straightforward business loans into property development finance, buy-to-let mortgages, invoice discounting, spot factoring and commercial mortgage products. It also developed investment accounts designed to give lenders different combinations of yield, liquidity, diversification and loan exposure. These included manually selected loan investments, the Great British Business Account, the Quick Access Account, the 30-Day Access Account and the 90-Day Access Account. A Green Energy Income Account gave investors exposure to renewable-energy-related loans but was first suspended for new investment in 2017 and permanently closed to new investment in 2018 because of limited new loan origination. Assetz Capital pursued both direct and intermediary distribution. A nationwide network of Relationship Directors supported borrowers, while partnerships with organizations such as Interface Financial Group and FundBay.co.uk broadened the range of commercial finance products available through the platform. In 2015, the company also announced a funding line from Victory Park Capital for small-business lending and a referral relationship with Royal Bank of Scotland for businesses that the bank could not finance directly. The same period saw a Seedrs fundraising campaign, a substantial equity-raising effort, and the introduction of a self-invested personal pension offering that allowed eligible investors to hold platform loans within a SIPP structure. The brand operated within the developing UK regulatory framework for peer-to-peer lending. It obtained interim permission from the Financial Conduct Authority in 2013 and received full FCA authorization in September 2017. As with other loan-based investment platforms, investor returns were not guaranteed: defaults could result in partial or complete loss, although Assetz Capital emphasized security enforcement and its recoveries function as mechanisms for recovering value from impaired loans. Historical advertised gross target rates varied by account and period and were subject to borrower performance, losses, tax and account conditions. In December 2022, Assetz Capital changed the funding model for new lending and became solely funded by institutional capital. This marked a significant transition away from its original retail peer-to-peer marketplace identity, although the company retained its core emphasis on secured commercial and property finance. Its history therefore spans the expansion of UK marketplace lending, the development of specialized business-finance products, increased institutional participation and the eventual institutionalization of new loan origination.
History
Assetz Capital was established in 2012 within the Assetz group of companies associated with Stuart Law and launched its lending operation in March 2013. It entered the UK market as a secured peer-to-peer lender, enabling individual and institutional investors to fund loans to small businesses and property developers. Unlike unsecured marketplace lending, its model relied on tangible collateral, particularly property, together with a recoveries function intended to realize value from security when borrowers defaulted. The business gained traction quickly. In its first year it reported more than £19 million of lending. In April 2013 it arranged a £1.5 million first-charge loan for a student-accommodation development in Nottingham, described in the reference material as the largest UK peer-to-peer loan at that time. The loan had a 50% loan-to-value ratio and a one-year term. In May of the same year, Assetz Capital introduced a peer-to-peer backed buy-to-let mortgage product. Its early expansion continued through 2014, when reported cumulative lending passed £50 million and external commentary identified a high annual growth rate. The company broadened its commercial-finance proposition in late 2014 through a joint venture with Interface Financial Group covering single invoice discounting and spot factoring. In 2015, it announced a £150 million funding line from Victory Park Capital for SME loans and a referral arrangement with Royal Bank of Scotland. It also raised growth capital through a Seedrs campaign: the original £2 million target was reached within a week, after which the target was increased to £3 million as part of a reported £6 million total equity raise. Assetz Capital subsequently introduced a SIPP facility, allowing investors to hold qualifying platform loans in a self-invested personal pension. Investment products became an important part of the brand’s marketplace identity. In 2015 it launched the Great British Business Account, focused on loans to UK SMEs. Other offerings included a manually selected loan account, the Quick Access Account, a 30-Day Access Account and a 90-Day Access Account. The Green Energy Income Account was designed to diversify investment across renewable-energy projects, some of which benefited from government support mechanisms. New investment in that account was suspended in 2017 and the account was closed permanently to new investment in 2018 because the company said that insufficient new loan origination made continued operation impractical. Assetz Capital developed during a period of increasing formal regulation for UK peer-to-peer lending. It received interim FCA permission in April 2013 and full FCA authorization in September 2017. The platform’s communications emphasized that advertised gross rates were not guaranteed and that investors faced the risk of losing capital when loans defaulted. Security could reduce losses but did not eliminate credit, liquidity or recovery risk. In January 2020, the company filed its first audited statutory accounts, covering the year ended 31 March 2019; previous filings had been unaudited small-company accounts. By January 2017, Assetz Capital reported that it had lent more than £200 million to UK SMEs since launch, including £105 million during 2016. It also reported investor earnings and historical gross rate ranges, although such figures were dependent on account type, borrower performance, defaults and taxation. The business maintained its Manchester headquarters and a nationwide network of Relationship Directors to support borrowers. The most consequential later change came in December 2022, when Assetz Capital became solely institutionally funded for new lending. This represented a strategic shift from the retail-investor marketplace model with which the brand began. The company’s continuing identity is therefore centered on property-secured commercial finance, while its historical significance lies in helping develop UK peer-to-peer lending and in combining marketplace distribution with institutional capital.
- 2022
New lending becomes institutionally funded
[1]Assetz Capital moves new lending to a solely institutional funding model.
- 2020
First audited statutory accounts filed
[1]The company files its first audited statutory accounts, covering the year ended 31 March 2019.
- 2019
90-Day Access Account launches
[1]Assetz Capital introduces a 90-day access investment account.
- 2018
Green Energy Income Account closes
[1]The renewable-energy-focused investment account is permanently closed to new investment because of limited new loan origination.
- 2017
Cumulative SME lending passes £200 million
[1]Assetz Capital reports more than £200 million of cumulative lending to UK SMEs since launch.
- 2017
Full FCA authorization
[1]The company receives full authorization from the Financial Conduct Authority.
- 2015
Institutional funding line announced
[1]Assetz Capital announces a funding line from Victory Park Capital to support SME lending.
- 2015
Great British Business Account launches
[1]The platform introduces an investment account focused on loans to small and medium-sized UK businesses.
- 2014
Cumulative lending passes £50 million
[1]Assetz Capital reports that total lending has exceeded £50 million.
- 2014
Invoice-finance joint venture
[1]The company forms a joint venture with Interface Financial Group for invoice discounting and spot factoring.
Products and positioning
A UK specialist lender combining secured commercial and property finance with a history of marketplace lending and institutional funding.
Commercial lending · 2013
Property-secured business loans
Loans for UK small and medium-sized businesses secured against tangible assets, commonly property. The security structure is intended to provide a recovery route if a borrower defaults, although it does not remove credit, valuation or enforcement risk.
Property finance · 2013
Property development finance
First-charge secured lending for property development projects. An early example was a student-accommodation project in Nottingham financed through a one-year loan with a reported 50% loan-to-value ratio.
Mortgage lending · 2013
Buy-to-let mortgages
A peer-to-peer backed buy-to-let mortgage product introduced during the company’s first year of operations, extending its marketplace model into property investment finance.
Investment account · 2015
Great British Business Account
An account launched to direct investor capital toward a diversified pool of loans to UK small and medium-sized businesses.
Investment account
Green Energy Income Account
An account designed to spread investment across renewable-energy projects, including projects supported by mechanisms such as Feed-in Tariffs. New investment was suspended in 2017 and the account was permanently closed to new investment in 2018.
Investment account
Quick Access Account
An automatically investing account offering access to a diversified portfolio of loans and a capped variable rate structure, subject to the availability and performance of underlying loans.
Investment account
30-Day Access Account
An investment account structured around a 30-day access period under normal market conditions.
Investment account · 2019
90-Day Access Account
An investment account launched in February 2019 with a 90-day access structure. Reference material states that it attracted more than £10 million of investment capital during its first week.
Marketing campaigns
- 2015Seedrs equity fundraising campaign
United Kingdom
Assetz Capital used the Seedrs crowdfunding platform to raise growth capital. The initial £2 million target was reached within one week and was subsequently increased to £3 million as part of a reported £6 million total equity raise.
Outcome. The campaign target was exceeded and the fundraising formed part of a larger equity raise.
Brand decisions
2022
Shift new lending to institutional capitalStrategyBackground
Assetz Capital had originally operated as a peer-to-peer marketplace connecting private and institutional investors with business borrowers.
Action taken
From December 2022, the company funded new lending solely through institutional capital.
Aftermath
The change reduced the role of retail marketplace funding in new originations and repositioned the company toward institutional commercial lending.
2017
Suspend new investment in the Green Energy Income AccountStrategyBackground
The account depended on a sufficient pipeline of suitable renewable-energy-related loans.
Action taken
Assetz Capital temporarily suspended new investments in the account.
Aftermath
The account was permanently closed to new investment in May 2018 because of limited new loan origination.
Sources1 sources
Cite this profile: Cite the canonical profile. /brand-wiki/assetz-capital · Editorial policy · How profiles are compiled