Assetz Capital
An institutionally funded property lender writing commercial mortgages from 2.25 per cent over base and development finance from 8.35 per cent, in facilities of £250k to £10m.
What they do
Assetz Capital lends against UK property from institutional funding lines, having wound down its retail peer-to-peer platform in 2022 and refinanced with committed facilities including a £150m line agreed in 2025. Commercial mortgages are priced from 2.25 per cent over Bank of England base with arrangement fees from two per cent, and development finance from 8.35 per cent, at up to 72 per cent of gross development value and 87.5 per cent of cost. A relationship director meets the borrower, drafts a credit report within two or three days and issues credit-backed indicative terms on every loan. Lending covers mainland Britain and Northern Ireland.
Where they fit in a lower-mid-market raise
Published pricing and credit-backed terms on every case make this a lender a borrower can plan around. For a trading company buying or refinancing its own premises, or a developer funding a scheme up to £10m, the underwriting is judgement-led in exactly the places a clearing bank's criteria are not, and the relationship director stays with the case.
Where they are not the fit
Everything is secured on property: there is no unsecured or cashflow lending, so an acquisition of a trading business without real estate has no route here. Leverage caps at 72 per cent of gross development value. The compact development product is limited to England and Wales.
Published terms
- Pricing
- Commercial mortgages from 2.25% + Bank of England base rate, fixed and variable; arrangement fee from 2% including broker fee. Development from 8.35% p.a., fees from 2% including 1% broker fee.
- Speed to terms
- RD meets soon after enquiry; credit report 2-3 days to write then checked; 24hr credit-backed terms cited on small development product
- Sponsored or sponsorless
- Sponsorless (corporate or property developer or SME owner-occupier or investor); not a private-equity sponsor LBO lender
- Where they lend
- Mainland UK including. Scotland and Northern Ireland; England and Wales for the compact development product
- How they decide
- Relationship-Director-led; credit report drafted in 2-3 days then checked; credit-backed indicative terms issued on every loan; flexible, judgement-led underwriting where a clearing bank's criteria are not fully met. Authority is delegated below committee on at least part of the book
- Covenants
- Maintenance covenants, tested every period
- Personal guarantee
- Typically required
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
As published by the lender and last reviewed June 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Assetz Capital lends through 2 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Assetz Capital lends, but which of these would own it.
Commercial mortgage
- Facility
- £250k to £10m
- Security
- First legal charge + debenture + PG
- Covenants
- Maintenance covenants, tested every period
- Funds
- Growth · Refinance
- Rules out
- No property security to charge; Cashflow/unsecured lend
Development finance
- Facility
- £1m to £10m
- Security
- First legal charge + debenture + PG
- Covenants
- Maintenance covenants, tested every period
- Funds
- Growth
- Rules out
- Exceeds 72% loan to gross development value or 87.5% LTC
Limits that apply across the firm
Stated limits, taken from Assetz Capital’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No appetite in adult, crypto, gambling or weapons
How they sit against the category
- Its published ceiling is £10m; 54 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Assetz Capital write?
Published facilities run £250k to £10m. A band is what a lender states it will do, not what it will do on a given credit.
Does Assetz Capital require a personal guarantee?
On Assetz Capital's published terms, a personal guarantee is typically required. What a lender asks for on a given credit is settled in the documents, not by a published stance.
How quickly does Assetz Capital move?
RD meets soon after enquiry; credit report 2-3 days to write then checked; 24hr credit-backed terms cited on small development product. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
On the record
December 2022: Exited retail P2P, began 5-year run-off of retail loan book; institutional capital ~80% of lending since 2020 (crowdfundinsider.com.
November 2025: £150m facility from Cambridge & Counties Bank for UK-wide SME residential developments (crowdfundinsider.com.
October 2024: New leadership team; 'fully institutionally funded'; targeting >£30m new lending/month; over £1.7bn funded since inception (assetzcapital.co.uk.
December 2025: Regional development-team hires - Matt Hardy (East of England), Fiaz Ahmed (North West) (mortgagesolutions.co.uk.
Sources: assetzcapital.co.uk
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.