Assetz Capital
Manchester-based specialist that started as a P2P platform and pivoted to institutional funding in 2022. Now an asset-backed SME and commercial property lender for established Ltd companies. Pricing is bespoke and case-led; not a self-serve product. Strong on property-led deals and bridging with a clear exit.
Quick verdict
- Product: SME term loan + commercial property + bridging.
- Ticket band: £250k to £10m.
- Pricing: Bespoke.
At a glance
Assetz Capital, at a glance
- Legal entity
- Assetz Capital Limited
- Companies House
- 08007191
- Founded
- 2012
- Product
- SME term loan + commercial property + bridging
- Ticket range
- £250k to £10m
- Decision time
- 5 to 15 business days
- Ltd-only
- Yes
Where Assetz Capital is strong
- Genuine specialist underwriting on property-led and asset-backed cases.
- Established Manchester team with long sector experience.
- Comfortable with bespoke deal structuring on £500k+ tickets.
- No P2P retail-funder dependency since the 2022 institutional pivot.
Watch-outs, and when another lender may suit better
- Headline rates not published; pricing only revealed at offer.
- Slower than fintech alternatives.
- Below £250k they won't engage.
Best fit applicants
- Established Ltd companies
- Property-led and bridging cases
- £500k to £5m tickets
Where Assetz Capital is the wrong fit
- Sub-£250k tickets
- Self-serve fast cash
- Sole traders
If declined by Assetz Capital
If your application to Assetz Capital is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Assetz Capital
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Assetz Capital?
Assetz Capital offers sme term loan + commercial property + bridging. Ticket range: £250k to £10m. Typical rate: Bespoke.
How long does Assetz Capital take to decide?
5 to 15 business days
Who is Assetz Capital the best fit for?
First on the list: Established Ltd companies. The full list is under Best fit applicants above.
When might another lender suit better than Assetz Capital?
First on the list: Sub-£250k tickets. The other cases are under Where Assetz Capital is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Assetz Capital
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.