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.

How Can P2P Lending Benefit the Community?

How Can P2P Lending Benefit the Community?

Of course, we understand that the vast majority of investors are more interested in profit and growing their assets. But what if you could also benefit the community, support a business that you believe in, and get a return on your investment at the same time?

This is the beauty of P2P lending.

Helping businesses and communities

Through Assetz Capital, P2P lending can offer healthy returns for investors. However, it can do much more than this by bringing jobs and business to the local area:

Jobs 

Investor money goes to established, credit-worthy and growing businesses across the UK.

By supporting a business, whether they are local or dotted around the country, investors are giving money to businesses who are growing, employing and helping communities prosper.

In fact, for many borrowers, large proportions of capital raised goes towards the hiring of new staff that are sourced locally.

Surrounding businesses

The growth of a business in an area has a knock-on effect to those surrounding it; building sites require tools, tool retailers need supplies and workers need food.

An example of how business can impact community is Bournville. In order to expand the business, Cadbury moved from Birmingham to Bournbrook and transformed the area into Bournville; giving locals jobs and putting the location on the map.  

Community support

P2P lending gives investors a chance to back businesses that they believe in and projects that can make a real difference within the community. For example, The Potterspury Equine Centre, which thanks to Assetz Capital investors raised £152,000.

The money allowed them to fully equip their centre and look towards further expansion, a project that the banks refused to fund.

Prior to the centre, there weren’t enough units to meet the demands of the locals, so even before the launch, the waiting list was full for the Potterspury Equine Centre.

Since receiving funding, the centre has risen to new heights with enough capital to launch a small shop on site. There are further plans to increase the size of the shop, provide horse riding coaching and bring in an online order service for horse bedding.

To see how our other projects have benefited different communities, take a look at our case studies page.

Eco-friendly investing

For investors interested in keeping their returns green as well as helping a community, the Green Energy Income Account (GEIA) from Assetz Capital is an example of how you can achieve the perfect balance between keeping your carbon footprint low and reaping the benefits of P2P lending.

Investments made in the GEIA are focused on renewable energy projects and have the added benefit of being protected by a provision fund.

The account has a target return of 7% gross per annum, and lenders who want to invest into renewable energy projects such as wind turbines and solar panels can now invest into this account and be automatically diversified across all Assetz Capital loans that match the ‘green’ criteria.

If you’re interested in becoming a borrower or lender, or if you want to know more about peer-to-peer lending, contact Assetz Capital today. 

As with most forms of investment, peer-to-peer lending carries a degree of risk to your capital; in this case if the borrower is unable to repay their loan. At Assetz Capital, we seek to reduce this risk to our investors by taking asset security on every loan.

- June 24, 2015

Back to News Stories