Assetz Capital review 2026, development finance of £1m to £50m and bridging from £500,000

Who Assetz Capital are

The site footer names two companies. Assetz SME Capital Limited (08007287) was incorporated on 27 March 2012, and Assetz Capital Funding Ltd (14669696) followed on 17 February 2023 under the name Assetz 2023 Limited before taking its present name on 13 January 2025. Both are registered at Assetz House on Styal Road in Manchester, and the about page dates the lending business to 2013 and counts five offices around the country. The homepage names regional teams for the South East Midlands and the East of England among them.

The footer states that Assetz SME Capital Ltd is authorised and regulated by the Financial Conduct Authority under Reg No. 724996, and that Assetz Capital Funding Ltd is registered with the FCA under Reg No. 993108. Both entries can be looked up at register.fca.org.uk. A development loan or bridge to a limited company is not a regulated agreement, which is why the borrower criteria on every Assetz property product read limited companies and LLPs.

Two dated figures give the scale. On 18 November 2025 the business announced a £150m facility from Cambridge and Counties Bank to fund SME residential development, and the same release said it had funded more than £1.7bn of property-secured lending since 2013, roughly one in every twelve homes built by SME housebuilders in recent years. In April 2026 the homepage recorded a £9.95m package for a hotel scheme in Leicester.

What Assetz Capital lends

The development finance page gives a preferred loan of £1m to £10m and says facilities of £1m to £50m can be written on a staged drawdown basis, with a commitment term of up to 36 months. The lender tests a scheme on loan to gross development value rather than loan to cost, with a ceiling of 72.5% including interest, and will go higher where additional property security is offered. Drawdowns are monthly against progress, a Development Monitoring Director oversees the build and an independent monitoring surveyor reports each month. Ground-up residential, conversions, reconfiguration, care homes, purpose built student accommodation, pre-sold or pre-let commercial and modular construction are all named as fundable.

Assetz Elevate, launched on 16 June 2025, brought the smaller end of that market under its own product. It covers residential schemes of 1 to 15 units in England and Wales at £250,000 to £1.5m, up to 70% LTGDV and 85% LTC, run by a dedicated new business team. The launch release noted that the lender had already put over £262m into loans under £1.5m before giving them a product name.

Residential refurbishment sits between the two, at a preferred £500,000 to £10m over 6 to 24 months and up to 75% LTGDV including interest, for light refurbishment of a single property through to converting a redundant office block into flats under permitted development. The bridging page covers urgent purchases, residential refinancing, land purchase and development exits at £500,000 to £10m over 2 to 24 months and up to 75% of market value, with repairs of up to 10% of the property value allowed inside the loan, on an interest-only, retained or serviced basis. Commercial mortgages run from a preferred £250,000 to £10m and as far as £50m, with a commitment of up to 7 years, amortisation over up to 25 years and interest-only periods of up to 5 years, on owner occupied, let or part-let commercial and mixed use property from industrial units and offices to hotels, medical premises and student blocks.

Who Assetz Capital lends to

Limited companies and limited liability partnerships are the borrower types on the development, bridging and commercial mortgage pages, with a personal guarantee from the principals on every corporate loan, a first legal charge on the property and a debenture over the company. Development borrowers also give construction security such as collateral warranties where the contract calls for it. Assetz Elevate asks for proven experience on schemes of a similar scale, and the bridging page wants a realistic exit and the liquidity to cover the deposit and completion costs.

Geography varies by product. Assetz Elevate is written for England and Wales, the commercial mortgage page states mainland UK including Scotland and Northern Ireland, and the wider development book is described on the homepage as UK-wide with regional relationship directors. The property types are broad on the commercial side, taking in residential investment, healthcare, logistics, build to rent, purpose built student accommodation, offices, leisure venues and factories, and the purposes stretch from purchase and refinance to equity release and working capital.

Property-secured finance arranged through us is for UK limited companies and LLPs, which matches the lender's own company-and-LLP criteria. A developer with a scheme of under £250,000, below the Assetz Elevate floor, would look to one of the smaller-ticket lenders on our development finance panel.

How an application runs

The development finance page promises a credit-backed decision within 24 hours of the initial enquiry, after which a regional relationship director takes the case. Terms are issued, the valuation and legal work follow, and on a development the first drawdown funds the land or the existing site while later drawdowns are released monthly against the monitoring surveyor's reports. Repayment on development and refurbishment loans is by bullet at the end of the term or from sales proceeds as units complete, and the bridging page offers the same choice between servicing the interest, retaining it or paying it at exit.

Enquiry forms across the site distinguish between a borrower applying directly and a broker introducing a client, and the homepage carries a broker section alongside the borrower one, so a case can reach Assetz either way. On a commercial mortgage the process runs to a commitment of up to 7 years with the option of a capital and interest profile or interest-only for up to 5 years, and the minimum term is negotiable.

Through us the appraisal, the planning consent, the cost plan and the borrower's previous schemes are packaged once by a named case handler, and that pack goes to Assetz Capital and the other development and bridging lenders on the panel at the same time. We arrange the facility and Assetz reads the case and makes its own decision. Enquiring does not affect your credit score.

Assetz Capital on our panel

At September 2026 our catalogue held 3 live Assetz Capital development finance products, sized £250,000 at the low end and £10m at the top, with terms of 1 month at the low end and 3 years at the top, and 1 bridging product sized £500,000 at the low end and £5m at the top over 1 month at the low end and 2 years at the top. Those spans describe what sat on the panel at that date, including the Assetz Elevate floor of £250,000, rather than one borrower's facility, and panel composition changes.

Across the whole panel at September 2026 we counted 16 lender brands with a live development product that considers a first-time developer, 27 that allow for planning gain, 35 with a bridging product for heavy refurbishment and 29 funding development in Scotland. Each is a count of brands with at least one live product, not a description of Assetz Capital's own criteria, which ask for experience on similar-scale schemes.