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.

Invest, your way

We've created different kinds of accounts for different kinds of investors. Whether you're looking for a hands-off investment approach or want to choose your own loans to invest in, we've got an account for you.

The returns vary across our accounts and can depend on your preferences, so it's important to understand how each account works before investing.

Plus, to help maximise your return, you can wrap your account in an IFISA, which allows you to invest up to £20,000 a year tax-free.*

Take a look at our accounts and decide which is right for you.

If you are new to peer-to-peer lending or if you haven’t invested with us before, please visit our Key Investor Information page.

* The tax treatment of your investments can depend on your personal circumstances and this could change in the future.

Automated Accounts

These accounts automatically invest your money across as many matching loans as possible. As with all investments, there's a balance of risk and reward. In this case your capital is at risk and you are not covered by the Financial Services Compensation Scheme.

* Access times relate to normal market conditions and cannot be guaranteed.
** Target interest rates are quoted gross (before any tax and possible losses) and are capped at the quoted rate although actual returns could be lower.

Account name Loan selection Target interest rate** Access times* Provision fund
IFISA wrap?
Automatic 4.00% p.a. Almost immediately Find out more
Automatic 4.00% p.a. 30 days' notice Find out more
Automatic 4.00% p.a. 90 days' notice Find out more

The Provision Funds we offer do not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The funds have absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Provision Funds when considering whether or how much to invest.

Please see also our Provision Fund policy

Manual Account

If you want to be in complete control, our Manual Lending Account lets you pick which loans to invest in, and when to sell your share.

Manual 4.50 - 11.65% p.a. Repayment / sale of loans Find out more

† Gross return on loans currently available on the Assetz Capital platform before allowances for tax or any possible losses.

ISA Accounts

With an IFISA, you can invest up to £20,000 a year tax-free before you have to pay interest. You can turn any Assetz Capital account into an IFISA.

Find out more

Why Assetz Capital?

We’re powered by people

Because you’re directly connected to people who want to borrow money, our borrowers pay fair interest rates on their loans and you get a fair rate of return.

We back homegrown businesses

Our borrowers are UK businesses that are helping power our economy, building homes, creating jobs and investing in their businesses.

We make things surprisingly simple

You can choose an account that automatically allocates your investments for you, or one that lets you do it yourself. Our dashboard makes it easy to manage your accounts and track your investments.

We're totally transparent

You can always find out who you're lending to, whether you choose loans yourself or let our systems allocate your investments for you. That means full access to details of the borrower, credit reports and loan documents.

We take risk seriously

We’re upfront about the risks, but we also help you manage them. We run strict credit checks. We always ask for security valued more than the loan itself.

We have the numbers

We’ve helped 34,965 investors earn £248m so far.