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 routing verdict
- Product: SME term loan + commercial property + bridging.
- Ticket band: £250k to £10m.
- Decision time: 5 to 15 business days.
- Pricing: Bespoke.
- FCA-authorised.
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 (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
- Last reviewed
- 2026-05-08
Why we route here
- 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.
When we route elsewhere
- Headline rates not published; pricing only revealed at offer.
- Slower than fintech alternatives.
- Below £250k they will not 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Assetz Capital decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + 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.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Assetz Capital and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.