Assetz Capital: products, terms and eligibility

Assetz Capital is a UK provider of bridging loans. The legal entity named on its site is Assetz SME Capital Ltd (trading name used by Assetz SME Capital Ltd and Assetz Capital Funding Ltd), company number 08007287. It is based in Manchester. It gives its founding year as 2013.

Assetz Capital launched in 2013, saying bank funding for property-related business had dried up after the financial crisis. It operates through two FCA-registered entities, Assetz SME Capital Ltd and Assetz Capital Funding Ltd, and says it also operates a peer-to-peer investment platform alongside its property lending. Its headquarters are in Manchester and it says it has five offices across the UK.

In its own words on scale:

• Says it has lent close to £2 billion since inception (figure on its site in October 2026).
• Says it has funded the house building of around 1 in every 12 new build homes in recent years (its own claim, undated).

Everything on this page comes from what Assetz Capital publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Assetz Capital publishes one product for UK businesses. The table above gives the amounts and terms as it states them.

• Bridging finance: Interest-only, interest-retained or serviced options; no early repayment charges or minimum charging periods; maximum LTV up to 75% of market value.

Bridging finance

Short-term loans secured by a first charge on the property, with a debenture for corporate borrowers and personal guarantees required from corporate borrowers. It prefers loans of £500k to £10m, up to 75% of market value, for terms of 2 to 24 months, and says each loan is structured on its own merits. Borrowers must be limited companies or LLPs. Interest can be paid as interest-only, retained or serviced. It says there are no early repayment charges or minimum charging periods. Borrowers need a realistic exit strategy and liquidity to cover the deposit and completion costs.

Assetz Capital says its finance is used for:

• Property purchase
• Refinancing residential property
• Land purchase
• Development loan exit
• Repairs and development spend up to 10% of property value

Sectors and business types it says it funds:

• Property investors and developers
• Care homes
• Hotels
• Manufacturers
• Wholesalers

Assetz Capital publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Limited companies and limited liability partnerships.
• A realistic exit strategy.
• Sufficient liquidity to cover deposit and completion costs where the property is being purchased.
• Repairs and development spend permitted up to 10% of property value or purchase price (a separate residential refurbishment loan exists for higher percentages).

Assetz Capital describes its process like this:

1. Complete the enquiry form or call the new business team.
2. Provide project details and the amount to be borrowed.
3. Receive indicative terms.
4. A Relationship Director progresses the case to a decision in principle.
5. Funding and documentation follow.

Information it says it asks for:

• Project details and borrowing amount
• Evidence of exit strategy and liquidity for deposit and completion costs

Every application is subject to status and the lender’s own criteria at the time.

A bridging loan is short-term borrowing secured on property, used to bridge a gap until a sale or longer-term finance completes. Interest is often rolled up or retained and repaid with the loan at the end, so the plan for repaying it, known as the exit, matters as much as the property.

Lenders lend up to a share of the property’s value and will want to see that exit. Bridging costs more than long-term borrowing, so it is worth understanding how lenders differ before you compare offers.

Points Assetz Capital publishes that are worth knowing:

• Personal guarantees are required for corporate borrowers.
• Loans are secured by a first charge, plus a debenture for corporate borrowers.
• States each loan is structured on its own merits and terms outside the published LTV and loan-size guidelines may be considered.

Security and guarantees

A first charge over the property is taken. Corporate borrowers give a debenture and personal guarantees. It says there are no early repayment charges or minimum charging periods.

Assetz Capital’s site states: “Assetz Capital is a trading name used by the following companies: Assetz Capital Funding Ltd, registered in England and Wales (Co No. 14669696), registered with the Financial Conduct Authority (Reg No. 993108). Assetz SME Capital Ltd (Co No. 08007287), authorised and regulated by the Financial Conduct Authority (Reg No. 724996).”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of bridging loans with profiles here include Black & White Bridging, Bridge Help and Bridging Finance Solutions (BFS). Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.