Assetz Capital
Assetz Capital is a UK-based specialist SME property finance lender, providing development finance, commercial mortgages, and bridging loans to small property developers and housebuilders underserved by traditional banks. It has lent approximately £2bn since 2013, funding 1 in 12 SME new-build homes.
- Company typePrivate
- Founded2013
- HeadquartersManchester, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Assetz Capital does
Assetz Capital is a UK-based specialist SME property finance lender headquartered in Manchester, operating two FCA-authorised entities (Assetz Capital Funding Ltd and Assetz SME Capital Ltd). Founded in 2013 in the aftermath of the 2008 financial crisis, the company provides property-secured lending products targeting SME developers and small property investors underserved by traditional high street banks. Its core product suite spans Development Finance (£1m–£10m, up to 72.5% LTGDV), Commercial Mortgages (£250k–£10m), Bridging Finance, Residential Refurbishment, Development Exit Finance, and specialised offerings for Hotel Development Finance, PBSA, Care Home Finance, and Buy-to-Let. The company launched the Planning Assistance Loan in February 2024 and the Assetz Elevate sub-brand in June 2025 to serve sub-£1.5m SME developer projects.
The company operates a proprietary technology platform supporting credit risk assessment, loan performance tracking, investor portal access, and loan drawdown monitoring, combined with a national network of regionally-based Relationship Directors providing face-to-face borrower and broker engagement. Distribution is hybrid: direct sales via Relationship Directors and a New Business Team, intermediary/broker channel through the Intermediary Hub, and institutional co-lending partnerships with Cambridge & Counties Bank (£150m facility), Atom bank, and Aros Kapital. Assetz Capital generates revenue primarily through interest income on its loan book, with development finance rates starting from 8.35% p.a. and bridging rates at 9.5% p.a.
Assetz Capital has lent approximately £2bn to UK businesses since 2013, funding an estimated 1 in every 12 new build homes by SME housebuilders. The company completed a strategic pivot from peer-to-peer lending to institutional-backed lending in 2022, and now serves customers across all UK regions including Northern Ireland and Scotland, with a particular focus on developers operating in the £250K–£10m loan size band.
Assetz Capital firmographics
Firmographics- Name
- Assetz Capital
- Legal name
- Assetz Capital Funding Ltd and Assetz SME Capital Ltd
- Website
- https://assetzcapital.co.uk
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Assetz Capital is a UK-based specialist SME property finance lender, providing development finance, commercial mortgages, and bridging loans to small property developers and housebuilders underserved by traditional banks. It has lent approximately £2bn since 2013, funding 1 in 12 SME new-build homes.
- Ownership category
- akta.pro rank
Assetz Capital industry classification
Industry- Product category
- SME Property Finance
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
- akta.pro secondary industries
- SME Term Loans & Growth Capital (FSAKAGAB), Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)
Keywords
Where Assetz Capital is headquartered
LocationHeadquarters
- HQ city
- Manchester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Assetz Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income on Development Finance: Assetz Capital earns interest income on short-term development finance loans provided to SME property developers. Rates from 8.35% p.a., with loans structured on LTGDV basis up to 72.5%, terms up to 3 years.
- Interest Income on Commercial Mortgages: Interest income from commercial mortgage loans secured against commercial property. Rates from 2.25% + Bank of England Bank Rate, with LTV up to 75%, amortisation up to 25 years, loan sizes £250k–£10m (up to £50m available).
- Bridging Finance Interest: Short-term bridging finance at 9.5% p.a. Interest-only, interest-retained, or serviced repayment options. Arrangement fees apply.
- P2P Investor Interest Spread: P2P lending platform pays investors interest from borrower loan repayments, with Assetz Capital retaining a spread. Offers IF-ISA, Quick Access Account, 30 Day and 90 Day Access Accounts, and Manual Lending Account.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Development Finance – £1m–£10m, up to 72.5% LTGDV, from 8.35% p.a., up to 3 years |
| Unit Pricing | Monthly | Commercial Mortgages – £250k–£10m, up to 75% LTV, from 2.25% + BoE Bank Rate, up to 7 years |
| Unit Pricing | Pay-as-you-go | Bridging Finance – short-term, at 9.5% p.a. |
| Unit Pricing | Pay-as-you-go | Development Exit Finance – £500k–£10m, up to 70% LTV, from 9.25% p.a., 2–24 months |
| Unit Pricing | Pay-as-you-go | Residential Refurbishment – up to 75% LTGDV, from 9.5% p.a., 6–24 months |
| Unit Pricing | Pay-as-you-go | Planning Assistance Loan – £500k–£5m, up to 65% LTVP, from 9.25% p.a., 12–18 months |
| Unit Pricing | Pay-as-you-go | Assetz Elevate – £250k–£1.5m, up to 70% LTGDV / 85% LTC, England and Wales only |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels9 records
Assetz Capital product offering
Product offeringCore offering
Assetz Capital provides bespoke, property-secured lending to UK SME property developers, housebuilders, and commercial property occupiers. Its offering spans Development Finance (up to 72.5% LTGDV), Commercial Mortgages, Bridging Finance, Residential Refurbishment, Care Home Finance, Hotel and PBSA finance, the Planning Assistance Loan, Assetz Elevate (sub-£1.5m developer finance), Buy-to-Let mortgages, and Secured SME Term Loans. Loans are funded through institutional partnerships and a retail P2P investor platform.
Product overview
Assetz Capital is a specialist SME property finance lender offering a comprehensive suite of property-secured lending products. The portfolio centers on Development Finance and Commercial Mortgages as core offerings, supplemented by Bridging Finance, Residential Refurbishment, Development Exit Finance, Hotel Development Finance, PBSA Finance, Care Home Finance, Planning Assistance Loan (PAL), and Assetz Elevate (a sub-brand for smaller developments). The company also provides Buy-to-Let for Landlords and Secured SME Term Loans. Products are primarily offered through Relationship Directors and the New Business Team, with intermediary/broker channels supported through the Intermediary Hub. The company has provided nearly £2 billion in property finance since 2013, funding approximately 1 in every 12 new build homes by SME house-builders.
Differentiator
Problem solved
Functional benefit
Brands
- Assetz Elevate: A specialist lending product for SME property developers seeking fast, reliable funding for smaller residential schemes of 1–15 units or residential refurbishment/conversion projects, with loan sizes ranging from £250,000 to £1.5 million.
Products and services
- Development Finance Short-term property development funding for SME developers covering residential and commercial ground-up construction, conversions, and refurbishments. Lending up to 72.5% LTGDV, terms up to 36 months, rates from 8.35% p.a.
- Commercial Mortgages Mortgage financing for commercial properties for owner-occupiers and property investors across care, leisure, hotels, offices, and industrial sectors. Loans up to £10m (facilities up to £50m), terms up to 7 years, rates from 2.25% + Bank of England Bank Rate.
- Bridging Finance Short-term funding for urgent property purchases, land acquisition, or development finance exits, with interest-only, interest-retained, or serviced repayment options. Rates from 9.5% p.a., no early repayment charges, no minimum charging periods.
- Residential Refurbishment Loans for light to heavy refurbishment of residential properties, including conversion of office blocks to apartments. Terms 6–24 months, LTGDV up to 75%, rates from 9.5% p.a. on drawn balance.
- Development Exit Finance Bridging finance for developers at practical completion stage to repay existing development finance. Loans £500k–£10m, up to 70% LTV (max 75% of market value), terms 2–24 months, rates from 9.25% p.a., arrangement fee from 2%.
- Hotel Development Finance Specialised financing for hotel construction, renovation, or expansion projects, including ground-up development, refurbishment, and conversion of hotel properties, with terms up to 36 months.
- PBSA (Purpose Built Student Accommodation) Development Finance Finance solutions for PBSA projects including ground-up development, office-to-student conversions, renovation, and refinancing, tailored for limited companies and LLPs with a student sector track record.
- Care Home Finance Specialised financing for the care home sector, including commercial mortgages for market entry and expansion, and development finance for building or repurposing care facilities.
- Planning Assistance Loan (PAL) Enables experienced developers to purchase commercial property before securing full planning permission for residential conversion. Loan size £500k–£5m, terms 12–18 months, maximum 65% LTVP (Loan to Vacant Possession), rates from 9.25% p.a., fee from 2%.
- Assetz Elevate Specialist lending product for small-scale SME property developers providing ground-up residential or conversion finance from £250k to £1.5m for projects of 1–15 units. Leverage up to 70% LTGDV and 85% LTC; England and Wales only.
- Buy-to-Let for Landlords Buy-to-let mortgage solutions for professional landlords, supporting new builds, student properties, HMO properties, and flats above commercial properties.
- Secured SME Term Loans Flexible business funding solutions secured against property, with fixed rates allowing effective budgeting for the loan term.
- Semi-Commercial Mortgages Mortgages for properties combining commercial and residential usage, such as retail units with flats above. Loans up to £10m, maximum 70% LTV.
- P2P Investor Platform (IF-ISA, Quick Access, 30 Day, 90 Day, Manual Lending) Peer-to-peer investment platform enabling retail investors to fund property loans, with IF-ISA, Quick Access Account, 30 Day and 90 Day Access Accounts, and Manual Lending Account. Loan performance, defaults and losses, and outcome statements are published transparently.
Quantifiable outcome
- Funded approximately 1 in every 12 new build homes by SME house-builders in the last couple of years
- +6 more outcomes
Companies that use Assetz Capital
Customer profileNamed customers18 records
Segments6 records
Ideal customer profiles1 record
Assetz Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Assetz Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- SearchlandcoreAssetz Capital partnered with Searchland (UK's leading site sourcing and assessing platform, trusted by more than 2,000 property professionals) to co-host a webinar on July 23rd aimed at helping SME housebuilders identify and assess development opportunities using property and planning data. The session uses real examples around Birmingham to demonstrate site evaluation through planning history, ownership information, and local market dynamics.
- Kew Green HotelsminorKew Green Hotels is the hotel management company that acquired management of Hotel Brooklyn Leicester and Hotel Brooklyn Manchester, signing a franchise agreement with IHG to rebrand them as VOCO properties. Assetz Capital and Atom bank provided the £9.95m funding facility for the Leicester property. Paul Goodman of Goodman Corporate Finance also assisted with the transaction.
Scale indicators14 records
Recent moves6 records
Expansion highlights6 records
Assetz Capital competitors and assessment
Company assessmentDirect peers
- Hope Capital: Hope Capital is a UK specialist bridging and development finance lender serving SME property developers and investors. Its short-term, property-secured product range closely overlaps with Assetz Capital's bridging and development finance offerings.
- MT Finance: MT Finance is a UK specialist property development and bridging finance lender, offering similar development finance, refurbishment, and bridging products to SME property developers. It competes head-to-head with Assetz Capital on loan size, LTV, and developer segments across the UK.
- Shawbrook Bank: Shawbrook Bank is a UK challenger bank with a large specialist property development and commercial mortgage book serving SMEs, investors, and developers. It overlaps directly with Assetz Capital's core lending categories and is the most established comparable in the space.
- LendInvest: LendInvest is a UK property finance platform combining short-term development and bridging loans with a retail investment marketplace. It shares Assetz Capital's P2P heritage and current focus on property-secured lending to SME borrowers and investors.
- Together Money: Together Money is a UK specialist lender with a substantial property development, bridging, and commercial mortgage book serving SMEs. Its product mix and target borrower segments closely mirror Assetz Capital's core lending activities.
- United Trust Bank: United Trust Bank is a UK challenger bank with a significant specialist property finance division covering development, bridging, and buy-to-let lending to SMEs and property professionals. It directly competes for the same broker and direct developer relationships as Assetz Capital.
- Oblix Capital: Oblix Capital is a UK specialist development finance and bridging lender focused on SME property developers. It competes with Assetz Capital on development, refurbishment, and bridging finance across regional UK markets.
- Kuflink: Kuflink is a UK peer-to-peer property lending platform that funds bridging and development loans using retail investor capital. It shares Assetz Capital's P2P model, IF-ISA wrapper, and property-secured lending focus.
Broad incumbents
- Atom bank: Atom bank is a UK digital challenger bank offering residential and commercial mortgages, with which Assetz Capital has completed multiple co-lending deals including the £9.95m VOCO Leicester Hotel facility. It is both a direct competitor and a co-lending partner.
- Cambridge & Counties Bank: Cambridge & Counties Bank is a UK challenger bank providing a £150m institutional funding facility to Assetz Capital. While primarily a funder rather than direct competitor, it serves overlapping SME and commercial property segments in the UK market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Assetz Capital social profiles
Digital presenceAssetz Capital compliance and trust
Trust signalCompliance1 record
Assetz Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Assetz Capital leadership team
Management profileNumber of profiles
Profiles10 records
Assetz Capital funding detail
Funding detailFunding overview
Funding rounds11 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Assetz Capital M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Assetz Capital
What does Assetz Capital do?
Assetz Capital provides bespoke, property-secured lending to UK SME property developers, housebuilders, and commercial property occupiers. Its offering spans Development Finance (up to 72.5% LTGDV), Commercial Mortgages, Bridging Finance, Residential Refurbishment, Care Home Finance, Hotel and PBSA finance, the Planning Assistance Loan, Assetz Elevate (sub-£1.5m developer finance), Buy-to-Let mortgages, and Secured SME Term Loans. Loans are funded through institutional partnerships and a retail P2P investor platform.
Is Assetz Capital a public or private company?
Assetz Capital is a private company. It is classified as venture growth investor backed and is currently operating.
When was Assetz Capital founded?
Assetz Capital was founded in 2013. It employs 51 to 100 people.
Where is Assetz Capital based?
Assetz Capital is headquartered in Manchester, United Kingdom, in the Europe region.
How does Assetz Capital make money?
Four revenue lines are on record. Interest Income on Development Finance is the primary driver. The others are interest Income on Commercial Mortgages, bridging Finance Interest and P2P Investor Interest Spread.
Who are Assetz Capital's main competitors?
Direct peers on record are Hope Capital, MT Finance, Shawbrook Bank, LendInvest, Together Money, United Trust Bank, Oblix Capital and Kuflink. Broad incumbents are Atom bank and Cambridge & Counties Bank.
Does Assetz Capital have an API?
No public API is recorded for Assetz Capital.
What industry is Assetz Capital in?
Assetz Capital's product category is SME Property Finance. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending, with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 522 and its SIC code is 6162.