Lender review · SME term loan + commercial property + bridging
Assetz Capital
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 08007191
- Methodology Public
Manchester-based specialist that started as a P2P platform and pivoted to institutional funding in 2022. Now an asset-backed SME and commercial property lender for established Ltd companies. Pricing is bespoke and case-led; not a self-serve product. Strong on property-led deals and bridging with a clear exit.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- SME term loan + commercial property + bridging
- Ticket size
- £250k to £10m
- Typical rate
- Bespoke
- Decision time
- 5 to 15 business days
- Soft search at quote
- No
- Limited companies only
- Yes
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 08007191
- Founded
- 2012
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed3/5
- Decline handling4/5
How Assetz Capital works
Assetz Capital operates as a sme term loan + commercial property + bridging provider in the UK SMB market. Manchester-based specialist that started as a P2P platform and pivoted to institutional funding in 2022. Now an asset-backed SME and commercial property lender for established Ltd companies. Pricing is bespoke and case-led; not a self-serve product. Strong on property-led deals and bridging with a clear exit.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £250k to £10m band, decisions land within 5 to 15 business days, and the published rate range is Bespoke. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Assetz Capital is FCA regulated.
Where Assetz Capital fits best: established ltd companies, property-led and bridging cases, £500k to £5m tickets. Where it does not fit: sub-£250k tickets, self-serve fast cash, sole traders.
Pricing examples
Worked examples using Assetz Capital's published rate range (Bespoke). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a Assetz Capital quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Sub-£250k tickets; Self-serve fast cash.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: Established Ltd companies; Property-led and bridging cases; £500k to £5m tickets.
Pros
- + Genuine specialist underwriting on property-led and asset-backed cases.
- + Established Manchester team with long sector experience.
- + Comfortable with bespoke deal structuring on £500k+ tickets.
- + No P2P retail-funder dependency since the 2022 institutional pivot.
Cons
- − Headline rates not published; pricing only revealed at offer.
- − Slower than fintech alternatives.
- − Below £250k they will not engage.
Best for
- · Established Ltd companies
- · Property-led and bridging cases
- · £500k to £5m tickets
Weak at
- · Sub-£250k tickets
- · Self-serve fast cash
- · Sole traders
When to use Assetz Capital
Use Assetz Capital when
Your application matches the best-fit profile: established ltd companies, property-led and bridging cases, £500k to £5m tickets. The published ticket range (£250k to £10m) covers your ask, the decision speed (5 to 15 business days) fits your cash-gap timeline, and the rate range (Bespoke) is acceptable to you given your credit profile.
Do not use Assetz Capital when
Your profile sits in the weak-at list: sub-£250k tickets, self-serve fast cash, sole traders. Assetz Capital will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Assetz Capital as a screen.
FAQs
What is the minimum trading time for Assetz Capital?
Assetz Capital typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Assetz Capital require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Assetz Capital is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For sme term loan + commercial property + bridging specifically, expect a PG to be requested.
How fast does Assetz Capital fund?
Assetz Capital quotes 5 to 15 business days for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Assetz Capital?
Assetz Capital's published range is Bespoke. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Assetz Capital declines me?
If Assetz Capital declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Assetz Capital scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.assetzcapital.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Assetz Capital.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.assetzcapital.co.uk.