Assetz Capital bridging finance review
Assetz Capital offers bridging finance secured against property, built for limited companies and LLPs that need short-term funding rather than a long-term mortgage. This guide sets out advertised uses, security requirements, repayment structures and eligibility as published on Assetz Capital's own bridging finance page.
By Funding Fred · Sources checked 19 September 2026
Our enquiry compares selected Funding Fred partners. It is not an application directly to Assetz Capital. Funding Fred is an introducer, not a lender.
Potential fit
Who could consider Assetz Capital?
- Limited companies and LLPs looking for short-term, property-secured funding, since this product is structured for corporate borrowers rather than sole traders.
- Businesses needing funds for property purchase, land acquisition, refinancing or development exit, the advertised uses on Assetz Capital's bridging finance page.
- Borrowers able to offer a first charge on property, a corporate debenture, and where required, personal guarantees from directors.
Worth weighing up
When to consider other options
- Sole traders or individuals operating outside a limited company or LLP structure, as eligibility as published is specific to corporate entities.
- Businesses without a clear, realistic repayment exit, Assetz Capital states an exit strategy is expected before completion.
- Anyone assuming this is unsecured lending. It is not. Property security and a corporate debenture apply, and personal guarantees may also be required.
Understand the offer
Costs and repayments
Bridging finance from Assetz Capital runs for 2 to 24 months, aimed at property purchase, land acquisition, refinancing, or bridging to a development exit. The short-term nature of the product means it is designed to be repaid or refinanced within that window, not held indefinitely.
Two repayment structures are offered: serviced, where interest is paid monthly during the term, and retained, where interest is deducted from the advance upfront, reducing the net funds available. Which option suits a borrower depends on cash flow during the term and the nature of the planned exit, sale, refinance, or development completion.
Assetz Capital's own published page shows inconsistent headline starting rates, so no specific figure is quoted in this guide. Any accurate cost, rate, arrangement fee, exit fee, needs confirming through a direct written quote from the lender, not assumed from marketing copy. For a broader grounding in how bridging costs are typically structured across the market, the guide on bridging loan costs and UK rates is a useful starting point.
Eligibility and application
Published eligibility is limited to limited companies and LLPs. Security is a first charge over the property being funded, alongside a corporate debenture over the borrowing entity, and personal guarantees are required for corporate borrowers. The bridging finance page advertises up to 75% loan-to-value, subject to assessment. Minimum trading history has not been verified for this review; confirm the criteria and available advance in a written offer.
Applications are made directly through Assetz Capital's own channels, as set out on its official bridging finance page. Anyone reviewing this product should also check current criteria directly with Assetz Capital, since published pages can change, and treat the facts above as a baseline for eligibility rather than a guarantee of approval.
Advantages to weigh up
- A single product line covers several property-related uses: purchase, land acquisition, refinancing and bridging to a development exit.
- Two repayment structures, serviced or retained interest, give borrowers a choice depending on how cash flow looks during the term.
- A term of up to 24 months allows more room than very short bridging products, which can suit slower sales or refinance timelines.
Limitations to understand
- Assetz Capital's own page quotes more than one starting annual rate, so headline pricing should not be relied on without a written quote.
- Security is not limited to the property charge alone, a corporate debenture and personal guarantees for corporate borrowers add further obligations.
- This review is based only on Assetz Capital's published product page, not a tested application, so unpublished criteria remain unknown rather than confirmed absent.
Look at the wider picture
Comparing the alternatives
Bridging finance varies significantly between lenders on term length, repayment structure, and what security or guarantees are demanded beyond the property charge itself. Before committing, it is worth lining up more than one written offer and comparing like-for-like: same loan amount, same term, same repayment type. A rate alone tells only part of the story once fees and exit costs are added.
Anyone new to this type of funding should also understand the mechanics before applying, bridging finance requires a credible, evidenced exit, not just a plan to "figure it out later." The overview on bridging loans and the wider explainer on how bridging loans work both cover this in more depth, while the bridging loan application checklist sets out the documents, security evidence and exit proof that lenders typically expect.
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Your Assetz Capital questions, answered
Costs, eligibility and the details to check before applying.
How we put this guide together
This is a review of published UK product information, not a customer experience or a hands-on test. We have not assigned a star rating. This guide focuses on Assetz Capital — Bridging finance. Other products may have different terms.
Sources checked 19 September 2026. Your written offer determines your actual costs and conditions.
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