Assetz Capital

Assetz Capital, an SME property finance lender operating since 2013

Assetz Capital presents itself as one of the leading SME property finance lenders in the United Kingdom. The company states that it has worked alongside developers and investors since 2013, combining their ambitions with its own expertise to help them reach business goals. Its lending is organised around the property investment lifecycle, with bespoke funding packages rather than standardised products.

The lender describes its approach as relationship-based: decisions are not left to automated systems, and the team aims to know each borrower and their business personally in order to tailor funding to present and future needs. Assetz Capital positions itself as a long-term strategic partner offering flexibility, expertise and support.

Development finance for new build, conversion and repurposing

Development finance is a core line of the business. The company says it has handled projects of many shapes and sizes, from converting properties into care homes to new-build student accommodation. It also supports residential development in the form of traditional bricks-and-mortar houses and apartment blocks, and extends beyond ground-up construction into conversion, refurbishment and reconfiguration work.

Within this area, the company offers Development Exit Finance, a type of bridging loan used at the practical completion stage of a project, intended to reduce costs and help maximise profit. It also provides a Planning Assistance Loan (PAL), which allows experienced developers to buy offices or warehouses before full planning permission has been secured for a residential conversion scheme.

Assetz Elevate for smaller developers

For smaller property developers, the company has launched Assetz Elevate, a product lending between £250K and £1.5m. It is aimed at ground-up residential projects, refurbishments and conversions, and responds to what the lender describes as the particular challenges of smaller developers: tight timelines, limited access to finance and the complexity of funding infill and smaller-scale developments.

Residential refurbishment and bridging finance

Residential refurbishment loans are designed for SME property developers buying and refurbishing single or multiple properties, covering the range from light renovation to heavy refurbishment and including the conversion of office blocks into residential space.

Bridging finance is presented as a fast route to funding for property purchase, land acquisition, refurbishment or a development finance exit. The company highlights competitive rates, speedy decision-making and quick funding as the characteristics of this line.

Commercial mortgages and care home finance

Commercial mortgages are aimed at established businesses with equity to invest in their own premises, at buying premises currently rented, at unlocking equity in another property or at growing a property investment portfolio. The range also includes semi-commercial mortgages and mortgages for commercial properties, and the site provides a commercial mortgage calculator.

In the care sector, Assetz Capital states that it has long supported care home operators. It offers commercial mortgages to those entering the market, expanding portfolios or refinancing to improve facilities, and development finance to developers building or repurposing property for care use.

Other lending lines and intermediary support

The product range also covers buy-to-let for landlords and secured SME term loans. For brokers and intermediaries, the company maintains a dedicated hub with product guides, broker documents, an indicative terms sheet and access to its Relationship Directors.

Recent activity and sector commentary

Among the developments reported on its site, Assetz Capital structured a £9.95m funding package with Atom bank for the VOCO Leicester hotel, and partnered with Searchland on a webinar to help SME housebuilders identify, assess and progress development opportunities. The company also publishes commentary on UK housing policy, including analysis of the 2025 Autumn Budget and its effect on housing delivery and SME builders, and interviews with its regional Relationship Directors.

How the team is organised

Assetz Capital structures its operation around several teams: Relationship Directors, a New Business Team, Case Managers and a Credit Team. The company also maintains a resource centre with news, press releases, case studies, webinars, property reports and product guides, alongside information for investors covering loan performance, credit risk assessment and the mechanics of its peer-to-peer accounts.