A Complete Review of How to Invest in Assetz Capital

Assetz Capital is a peer-to-peer lending marketplace that enables people to lend to companies. The company also offers an innovative Individual Savings Account (ISA) services. Assetz Capital has more than 37k investors who have invested more than £961 million in companies. The company has raised more than £6.7 million from venture capital firms.

 

In this review, we will look at how to invest in Assetz Capital, the benefits of investing, and the risks involved.

Brief Review of Assetz Capital

  • Assetz Capital was started in 2012, and has become one of the biggest peer-to-peer lending companies in Europe.
  • Assetz Capital has raised more than £6.7 million from investors.
  • Assetz Capital has an average annual return of 4.1%.
  • Assetz Capital minimum investment amount is £1.
  • Investors in Assetz have earned more than £105 million.

We launched Assetz Capital in 2013 and since then our marketplace has become a simple and fair way to invest and borrow. We’re approaching our first £1bn lent to businesses and we’ve paid nearly £100m of gross interest to our lenders. Together we’re making a huge impact, funding the equivalent of 1 in every 100 new build homes in the UK last year.

What is Consumer to Business P2P Business?

The peer-to-peer lending industry has emerged as one of the fastest-growing industries around the world. As the name suggests, the industry involves lending out money directly to one another or to businesses. This is done through a company that provides the backend technology.

 

There are several types of peer to peer lending companies. There are those that focus on individual to individual. These are companies like Lending Club and Prosper. There are others that focus on individual to businesses. Others focus on individuals to real estate developers. Examples of these are CrowdEstate and Bulkestate.

The concept of business peer to peer lending has become more pronounced in the past decade. This is simply because low interest rates have made it difficult for savers to generate a return on their savings. It has also made it difficult for banks to extend credit to small companies. The figure below shows a summary of how peer-to-peer lending works.

How Assetz Capital Works
How Assetz Capital works.

What is Assetz Capital?

Assetz Capital is an individual to business peer-to-peer lending company in the United Kingdom. The company has a platform where individuals can extend financing to vetted companies. The company was started by Stuart Law and Chris Mellish, who were accomplished professionals. The company has become one of the most successful tech companies from the UK. It has raised more than £6.7 million and has helped its investors make more than £105 million. The figure below shows the company’s journey since inception.

Growth of Assetz Capital
Growth of Assetz Capital.

How to Invest in Assetz Capital

There are two main ways of investing in Assetz Capital. First, you can opt to create an automated account. This is an account that will allow the company to do investments for you. Assetz Capital offers three types of automated accounts as you can see below.

Assetz Capital Accounts
Assetz Capital accounts.

Automated Accounts Offered by Assetz Capital

As shown above, Assetz Capital offers three types of automated accounts. These are:

  • Quick Access Account. This account offers an annual interest rate of about 4.1%. It has more than 10,000 investors and more than £71M in assets under management.
  • 30-day Access Account. This account offers up to 5.1% annual interest. It has about 10,000 investors and more than £77 million in assets.
  • 90-day Access Account. This account offers up to 5.75% annual interest. It has more than 6,700 investors and more than £68 million in assets.

The second way of investing in Assetz Capital is manually. This is a process where the investor selects the loans to invest in directly in the platform. Investors can find hundreds of loans on its dashboard. Investors can earn up to 12% annually. There are more than 450 loans that are available that are worth more than £130 million. Manual investing loans does not have a discretionary provision fund.

How Safe is Assetz Capital?

Is Assetz Capital a scam? These are very common questions we receive every day. The answer is that Assetz Capital is a safe way to invest your money. It is not a scam. However, you need to realize that investing in peer to peer lending is risky. It is possible to lose your money. Therefore, we recommend that you do a few things. First, invest a small portion of your money in P2P. Second, ensure that you have a diversified portfolio. We also recommend that you read the terms and conditions before you invest.

Is Assetz Capital Regulated?

Another common question is whether Assetz Capital is regulated. When you want to invest in Assetz Capital and other P2P company, it is important that you ensure that the company is regulated. The company is regulated by the Financial Conduct Authority, which is the main financial regulator in the United Kingdom. As such, you will need to submit your identification and proof of residence documents when signing up.

How to Sign Up and Deposit Money in Assetz Capital

As with all peer-to-peer lending companies, the ease of use plays an important role. Therefore, to sign up for Assetz Capital, you just need to submit your email address and password on this page. To complete the sign-up process, you will need to submit your identification and proof of residence documents. You can deposit money to your Assetz Capital account directly from your bank account. You can also use the popular credit and debit cards.

Who Can Register an Account in Assetz Capital?

Anyone in the United Kingdom can create an account with Assetz Capital. One needs to be above 18 years old.

How to Contact Assetz Capital

You can contact Assetz Capital by visiting this page on its website. This can be done directly at: https://www.assetzcapital.co.uk/contact. Alternatively, you can write them an email: [email protected]. Also, you can visit one of the four Assetz Capital offices at Manchester, London, Fleet, and Scotland.

Finally, you can contact Assetz Capital via social media:

Assetz Capital Alternatives

There are many companies that offer peer-to-peer investing in the United Kingdom and the European Union. Some of the alternatives to Assetz Capital are:

Summary

Assetz Capital is one of the most popular peer-to-peer lending marketplaces in the United Kingdom. It is a safe option that has a proven track record. You can invest in the company. However, we recommend that you invest a small part of your funds in the company. We also recommend that you diversify your investment in other assets such as bonds, mutual funds, Bitcoin and index funds.

 

Crispus is a finance professional with more than a decade experience in the industry. Over the years, Crispus has written in-depth articles on leading platforms like CCN, Marketwatch, and Seeking Alpha. He also runs a Forex education and managed account company called WestEndFx.