Don't invest unless you're prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 minutes to learn more.

The Assetz Capital platform is no longer open to investment from individual investors. No new investments into peer-to-peer loans are possible and, as a result, no new funds should be deposited. The existing loan book relating to the Retail platform is now in run-off and this will, over time, deliver the return of capital to investors. Full information can be found here . Existing Retail lenders can still log in, view information regarding their account and loan holdings and operate their account in accordance with the information regarding the run-off provided on the link above. Please see this important message regarding the currency of the information on the pages on this website.

A fair return and easy access with our Quick Access Account (QAA)

A fair return and easy access with our Quick Access Account (QAA)

As a result, more and more are looking to improve their returns by investing in peer-to-peer (P2P) lending. This involves risking one's capital by funding loans to individuals or business through P2P platforms such as Assetz Capital's market-leading portal.

Unfortunately, to deliver higher returns, some P2P accounts require investors to tie up their money for long periods (up to five years). However, at Assetz Capital, we created our Quick Access Account (QAA) to offer the best of both worlds by combining fair returns to lenders with very quick access in normal market conditions.

Our Quick Access Account pays 3.75% a year

In September 2015, Assetz Capital launched the QAA, our newest P2P-lending account. This account is ideal both for P2P investors looking to park money temporarily and for those looking to deposit larger sums for longer periods.

The QAA pays P2P lenders a target interest rate of 3.75% a year (before deducting tax and any loan losses above and beyond what may be covered by the QAA's discretionary provision fund, see below). Please note that QAA investments are not covered by the government-backed safety-net provided by the Financial Services Compensation Scheme (FSCS) to protect cash deposits.

Speedy cash transfers when you want

The QAA offers the best flexibility, liquidity and speediest ease of access of any Assetz Capital account to date. Thanks to its inbuilt 'cash cushion', cash withdrawals from the QAA usually take a fraction of a second, with some occurring in under 0.0002 seconds in normal market conditions! In addition, when you withdraw cash from your Assetz Capital accounts to your current account, these transfers take just two working days.

Start investing with a mere £1

You can start investing in the QAA from as little as £1, while the maximum direct investment into this account is £50,000 per investor. On top of this, investors can sweep up to another £25,000 each into the QAA from other Assetz Capital accounts. As with all our P2P-lending accounts, investors pay no fees to use the QAA, so the rate you see today is the rate you get (before tax and any uncovered losses, see below).

£28 million invested to date

From launch six months ago until 1 March 2016, P2P lenders have invested nearly £28 million into the QAA. We believe that these investors are delighted with this account's blend of fair returns, quick access and ease of use.

Three levels of protection for our lenders

To minimise the risks of loss to our investors, the Quick Access Account comes with three key safety measures:

  • Quick and automatic diversification of your lending funds across the widest range of P2P loans. In a nutshell, the QAA automatically spreads your investment across all of the P2P loans matching the QAA’s criteria, ensuring that you avoid being over-exposed to too few business borrowers.
     
  • A discretionary, ring-fenced loss-provision fund, funded by extra borrower interest and fees. This provision fund aims to protect our lenders by minimising predicted loan losses. So far, there has yet to be any claim on this provision fund, meaning that all QAA investors have earned the same return as is available today.
     
  • At Assetz Capital, we don't lending carelessly or recklessly. That's why we carefully assess all business borrowers, backing up credit-scoring with personal visits from our regional lending experts.

As extra protection for our lenders, all QAA loans are backed by tangible, realisable asset security (such as a legal charge over property, land or other assets). To boost this safety margin even more, any security we take will typically be worth between 30% and 300% more than the associated loan.

Summing up the QAA, Stuart Law, co-founder and CEO of Assetz Capital, comments, "Our Quick Access Account has been a stunning success with both beginners and experienced P2P investors. Lenders can investor as little as £1 or as much as £75,000 in their QAA, earning a fair return while enjoying very quick access as and when they need cash. For investors looking to boost the returns their spare cash generates, we at Assetz Capital say, 'Go ahead, try our QAA today!'"

RISK WARNING: "As with most forms of investment, peer-to-peer lending carries a degree of risk to your capital; in this case, if borrowers were unable to repay their loans. At Assetz Capital, we seek to reduce this risk to our investors by taking asset security on every loan, with the added benefit of a discretionary Provision Fund for some of our investment accounts."

- March 22, 2016

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