Last Updated on June 14, 2023
Assetz Capital is an online peer-to-peer lending platform that provides investors the opportunity to lend money to businesses and individuals. It was founded in 2013 and has since become one of the leading players in the peer-to-peer space in the United Kingdom. This article will provide a comprehensive review of Assetz Capital, including its features, advantages and disadvantages, risks and rewards, customer service experience, sign up process, and more. The aim of this article is to provide an impartial review of Assetz Capital so that readers can make informed decisions when considering investing through this platform.
Overview of Assetz Capital
Assetz Capital is a UK-based peer-to-peer lending platform that provides investors with the opportunity to earn interest by lending money to small businesses and property developers. The platform offers loan terms ranging from one year up to five years, with repayment options such as bullet loans and interest only loans. Investors can choose either of these repayment models depending on their investment goals and risk appetite. Assetz Capital also has a secondary market for investors who want to take advantage of early exits or additional diversification opportunities. Through this secondary market, investors can buy existing investments from other lenders at a discount or sell their own investments at an agreed price.
Assetz Capital provides several types of loans such as residential mortgages, commercial mortgages, bridging finance and development finance. Each loan type has its own criteria for eligibility based on factors such as creditworthiness, affordability and security offered by the borrower. Investors have access to detailed information about each loan before investing including loan amount, term length, expected rate of return and security details. This allows them to make informed decisions about which loans they wish to invest in according to their objectives and risk tolerance levels.
The Assetz Capital platform is highly reliable in terms of both speed and security due to its use of proprietary technology solutions designed specifically for the peer-to-peer lending industry. The company’s operations are subject to stringent regulatory requirements from both the Financial Conduct Authority (FCA) in the UK and FINMA in Switzerland. These regulations ensure that all activities conducted on the platform are compliant with applicable laws, providing further assurance for investors that their funds are safe when investing via Assetz Capital’s services.
Assetz Capital is a peer-to-peer lending platform that offers lending opportunities to investors and borrowers alike. The platform provides both business and property loans, allowing for flexibility when it comes to investment options. Additionally, Assetz Capital also offers other services such as auto-investing, which automates investor’s portfolios using the criteria they have set out. This feature greatly simplifies the process of managing multiple investments.
Peer-to-Peer (P2P) lending has become an increasingly popular and accessible financial option for those seeking to borrow money. P2P, also known as social lending, is a type of online loan where individuals can borrow or lend money without the involvement of a traditional financial institution. Through Assetz Capital’s platform, borrowers are able to apply for loans ranging from £10,000 – £50 million with repayment terms ranging from 1 month to 5 years. Loan rates offered through the platform are typically more competitive than traditional institutions due to its innovative approach in eliminating third party intermediaries such as banks and brokers. Additionally, Assetz Capital provides a secure platform for investors allowing them to diversify their investments across multiple asset classes with varying risk profiles. With this approach, both borrowers and lenders benefit from an efficient process that is designed around transparency and trust.
Business and Property Lending
Business and Property Lending is a specialized area of P2P lending that Assetz Capital offers, enabling borrowers to access financing for their businesses or properties. It serves as an alternative to traditional banking services and provides the ability to obtain substantial amounts of capital which may not be available through other means. The loan security offered by Assetz Capital includes mortgages, business loans and property finance. They also have terms ranging from 1–5 years with interest rates starting at 6%. This allows borrowers to find a suitable solution for their financial needs. Furthermore, they offer flexibility in repayment options such as balloon payments and overpayment facilities without incurring any additional costs. This helps borrowers save money while allowing them the freedom to control their finances better. All in all, Assetz Capital’s Business and Property Lending program provides an efficient way for investors and lenders alike to make money off of investments in real estate or businesses.
In addition to its Business and Property Lending program, Assetz Capital also provides a range of other services designed to meet the needs of borrowers. These services include fund analysis, which allows investors to review their portfolios in order to determine if they are meeting their financial goals. Fund analysis can help investors identify underperforming investments so that they can be replaced with more profitable ones. Additionally, Assetz Capital offers investment strategies designed specifically for clients based on their individual risk profiles. This ensures that each client’s portfolio is tailored to maximize returns while minimizing risk exposure. By providing both fund analysis and customized investment strategies, Assetz Capital is able to provide its clients with a comprehensive suite of services designed to help them achieve their financial objectives.
Advantages of Using the Platform
The Assetz Capital platform provides a variety of advantages to businesses and peer-to-peer users. Firstly, the platform offers risk assessment services which are designed to help inform investors of the risks associated with a particular investment opportunity. This can be an invaluable tool for businesses and investors alike, as it helps them make informed decisions about their investments. Secondly, the platform also provides financial advice in order to ensure that potential investments are viable before they are made. This allows both parties involved to have confidence in the decision-making process when it comes to investing funds. Finally, Assetz Capital also offers a range of investor protection options such as insurance policies and other safeguards which offer additional security for any potential investments made through the platform. This means that users can rest assured that their money is safe and secure when using this service.
The Assetz Capital platform also provides a range of other features beyond these protective measures such as access to market news updates and research tools which can be used to make more informed investment decisions; all designed with the intention of helping users reach their desired return on investment goals faster. Additionally, this service includes an online portal where users can log in and view account information such as balances, transactions, interest rates, repayment schedules etc., eliminating the need for manual tracking or having to contact customer support representatives in order to access account details.
Overall, utilizing the Assetz Capital platform has many advantages for both businesses and peer-to-peer investors looking for reliable ways of investing funds safely and securely; from providing detailed risk assessments prior to any investment being made through offering various investor protection measures once investments have been confirmed – making it one of the most comprehensive platforms available today.
Disadvantages of Using the Platform
Though Assetz Capital provides numerous advantages, it is important to note that there are also some disadvantages associated with its usage. Investment returns may be lower than other funding options due to the high cost of borrowing from the platform. Potential investors should bear in mind that the company charges a fee of 0.5-2% for loans and 3% for equity investments, which can significantly reduce their return on investment. Furthermore, the platform is not available in many countries outside of the UK and only offers access to GBP accounts, making it difficult for international investors to take advantage of its services.
Another disadvantage associated with Assetz Capital is its limited range of products and services. Currently, only short-term bridging loans and equity crowdfunding are available on the platform; thus investors looking for more complex or diverse investment opportunities may find themselves limited by Assetz Capital’s offerings. Similarly, although they offer competitive rates compared to traditional banks and other lenders, these rates tend to be relatively high when compared with other online crowdfunding platforms such as Crowdcube or Seedrs.
In addition, potential borrowers should be aware that Assetz Capital requires a lengthy application process before granting approval for a loan/investment opportunity; this can make it difficult or inconvenient for those seeking quick access to funds or capital. Furthermore, while they offer fixed interest rates over the life of a loan (up to 5 years), any missed payments during this period will incur significant late fees which could render an otherwise profitable venture unprofitable in the long run.
Risks and Rewards of Investing
Investing in Assetz Capital can be a risky endeavor, as there is no guarantee that an investment will yield returns. Risk analysis is essential for any investor before committing to a particular platform. Assetz Capital offers investors the ability to access detailed information about their investments, including performance reports and risk ratings, which allows them to make informed decisions regarding their capital. Furthermore, return strategies are offered by the platform to help investors determine the best way to maximize their returns on investment. These strategies include diversifying investments across different asset classes and investing for long-term growth.
Risk management is also important when using this platform as it can help protect investors from losses due to market volatility or other factors beyond their control. The platform offers several features that allow users to manage risks such as stop loss orders and margin trading facilities. Additionally, investors should be aware of the potential tax implications associated with investing in Assetz Capital and take steps to ensure they are compliant with local laws and regulations related to taxes when investing through this platform.
The rewards of investing through Assetz Capital can be substantial if done correctly; however, these rewards come with an inherent level of risk that must be considered carefully before making any commitments. Investors should research all aspects of the platform thoroughly before making any significant investments so that they understand what is involved and how it could affect their financial future in both positive and negative ways. With proper risk management techniques, knowledge of return strategies offered by the platform, and a thorough understanding of local laws governing taxation on investments made through this platform; successful returns may be achieved on investments made via Assetz Capital.
Customer Service and Sign-up Process
Singing up for an Assetz Capital account is a simple process, requiring prospective customers to provide basic information and documents to verify their identity. The registration process typically takes about ten minutes with the customer providing their name, address, email address and phone number. The customer must also submit copies of two forms of identification such as a driver’s license or passport. Once the registration is complete, the customer will have access to an online portal where they can manage their investments and review current accounts.
Customer satisfaction is one of the primary goals of Assetz Capital. As part of this goal, the company provides 24/7 customer service through both telephone support and online chat services. This allows customers to quickly get answers to any questions they may have regarding their investment portfolios or account security concerns. Additionally, investors are reassured by the fact that all funds deposited into Assetz Capital accounts are protected by Financial Services Compensation Scheme (FSCS).
Assetz Capital also offers several safety features such as 128-bit encryption technology on all data transfers and secure storage systems which use industry standard practices for safeguarding investor information. Furthermore, account holders can set up multi-factor authentication so that only authorized users can access their accounts; this includes using SMS text messages or third-party applications like Google Authenticator for extra verification when logging in from different devices or locations.
Frequently Asked Questions
What is the minimum investment amount?
The minimum investment amount for a venture through Assetz Capital can vary depending on the risk/reward ratio of the venture. Generally, investors should consider how much they can afford to lose if the venture fails and also trustworthiness of the company when deciding how much to invest. It is important that potential investors research any venture thoroughly before committing funds in order to ensure that their investment is secure and backed by reliable sources.
Does Assetz Capital offer tax efficient investments?
Investing with Assetz Capital can provide investors with tax-efficient investment options. Tax deductions can be taken via a range of risk management strategies, such as diversifying investments across multiple asset classes and structuring returns to yield the best possible tax treatment. In addition, Assetz Capital provides access to advanced financial planning techniques which can help investors maximize their after-tax returns. This is achieved through analysis of taxation laws and regulations, as well as the development of strategies that are tailored for each individual investor’s unique situation.
Are there any additional fees for investors?
Investors may face additional fees related to risk management or fund security. This is an important consideration for potential investors, as the addition of these fees can have a significant impact on investment returns. It is important to understand the nature of any additional fees and how they are calculated prior to making an investment decision in order to ensure that the investor has a complete understanding of the costs associated with their chosen asset.
How often can investors access their funds?
Investors are able to access their funds through a returns policy that is based on investor protection. Depending on the type of investment, investors may be able to access these funds periodically or at certain points in time. This policy is designed to ensure the safety of investors’ investments, while still providing them with the opportunity to access their funds as needed. It is important for investors to review the specific terms and conditions of their particular investment prior to committing any money, in order to understand how often they will be able to access their funds.
Is there a limit to the amount of investments I can make?
Investors must consider the risk assessment and investment returns when making investments. The amount of investments that can be made is determined by an investor’s risk tolerance, financial goals, and available funds. Each investment must pass a risk assessment to determine if it aligns with the individual investor’s goals and objectives. Additionally, investors should be aware of potential returns based on their chosen investments as these will affect their overall return on investment.
Assetz Capital provides investors with an opportunity to earn returns through peer-to-peer financing. It offers a variety of features, such as the ability to diversify investments and access competitive rates of return. The platform also has several advantages, such as its low minimum investment amount and its easy sign-up process. However, there are certain risks associated with investing on Assetz Capital that should be weighed carefully before making any decisions. These include the risk of defaulting on loans and the lack of liquidity. Ultimately, Assetz Capital is a viable option for investors looking for potential returns from their investments but it is important to consider all aspects of the platform before committing capital.