The Specialist in Property Backed Lending
Delivering funding to build a better future for housing and businesses
Assetz connects institutional funders to businesses and property developers, creating positive outcomes for UK housing delivery and GDP.
For businesses
Property secured lending to grow your business
Assetz Capital provides flexible, relationship-driven funding for UK housebuilders, property investors and trading businesses – built on over a decade of experience and approaching £2 billion lent. We understand that real-world projects rarely fit neatly into rigid banking criteria, so our lending model is designed to be pragmatic, property-secured, and responsive. Our long-standing relationships with institutional funders and government-backed programmes, including the British Business Bank, give borrowers confidence in our stability and ability to deliver even through market cycles.
For SME housebuilders and property entrepreneurs we support single-unit developments through to major multi-phase housing sites with refurbishment and ground-up development finance, bridging, and term loans across the life of a project.
Property investors in all forms of commercial and residential property, including Purpose Built Student Accomdation (PBSA) and care homes, can benefit from our funding, whether refinancing a portfolio or development or acquiring new assets.
For trading businesses, we offer secured commercial loans for your premises that unlock growth — whether for expansion, refinance, working capital, or acquisition.
For institutional investors
Secured business lending marketplace
Assetz Capital is a leading originator of property backed loans, solely for institutional investors. For the first 9 years, from 2013, Assetz Capital built what became the largest retail-funded lender in the UK, with more than 40,000 registered private investors funding the majority of the first £1 billion of our lending. Following bank interest rate rises, our work for retail investors was done and we now fund all of our lending with growing volumes of institutional capital through our funding marketplace.
We specialise in offering attractive risk adjusted returns with a focus on sustainable delivery through our career-experienced professional lending team. We fund development of all forms of housing, commercial mortgages and bridge loans and have become one of the leading property finance providers in our sector.
Assetz Capital is now well progressed on lending its second £1 billion to small and medium sized businesses, has created more than 8,000 new homes and has supported thousands of jobs.
Join our marketplace to help fund house building and provide loan capital to SMEs.
As is the case with most investments, your capital is at risk. With Assetz, your investment is not covered by the Financial Services Compensation Scheme (FSCS). Visit our companies’ web sites to learn more.
Helping improve access to funding.
Since the Global Financial Crisis, access to bank lending for SMEs has been structurally constrained. Regulatory capital requirements and changing risk appetites have reduced traditional appetite for development finance and SME lending. As a result, many viable businesses struggle to secure the funding they need to grow.
At the same time, the UK faces a persistent housing shortage. Planning reform and a more supportive policy environment are likely to increase the pipeline of permitted housing. That in turn will create substantial demand for development capital.
Institutional and private capital providers face their own challenge – generating attractive, risk adjusted returns in a competitive and uncertain market.
Our purpose is to bridge that gap.
We enable banks, credit funds and family offices to deploy capital into economically robust, asset backed projects that deliver both financial returns and social impact. This includes funding much needed new homes and supporting the growth of UK SMEs through commercial mortgages and bridging finance.
We have built a market leading, upper quartile risk-return track record in originating and servicing property backed loans to housebuilders and the wider SME sector. By combining disciplined underwriting with active servicing, we help address the SME funding gap while delivering sustainable outcomes for businesses, communities and investors.
- Stuart Law, CEO
Learn how Assetz is solving some of the most fundamental social problems that we face,
from the shortage of housing for many parts of society, the poor yields available on offer to investors and the difficulties faced by SMEs in finding funding from traditional lending sources, in our latest Impact Report update.
Download Assetz’ Impact ReportWe want to help solve
business funding shortfall
low interest rates low housing supply insufficient care beds business funding shortfall
lent to UK SMEs
to date
new homes funded by Assetz group companies since 1999
gross interest earned to date by our platform investors
loaned to SME’s during
the pandemic
smaller and mid-sized business borrowers have been helped with a loan
new build homes built by SME house builders have been funded by us in several of the recent years
lent to UK SMEs
to date
new homes funded by Assetz group companies since 1999
gross interest earned to date by our platform investors
loaned to SME’s during
the pandemic
smaller and mid-sized business borrowers have been helped with a loan
new build homes built by SME house builders have been funded by us in several of the recent years
See your impact
We’ve supported the construction of over 16,000 new homes in the UK.
