Invest your money

  • 5.5% or 6.5% interest paid monthly
  • Secured against property
  • Easy in/Easy out or fixed term

We insist on loans secured by a mortgage over property to protect our Lenders’ interests. 

Peer-to-Peer lending does not fall under the Financial Services Compensation Scheme (FSCS). Your capital is at risk if the borrower is unable to repay the loan. Read more about how we manage risk.

What we offer

You can invest: £25,000 or more

Choose your type of loan: You can choose either a fixed term loan of up to 5 years’ duration or an Easy In/Easy Out loan (3 months’ notice either way).

Our interest rates:

  • 5.5%: applicable to fixed term loans of 1 or 2 years with a maximum LTV of 50%
  • 6.5%: applicable to fixed term or Easy In/Easy Out loans with a maximum LTV of 60%

How it works

  1. Apply via our online application form specifying any preferences or areas of interest 
  2. Choose either ‘Greenlight Lending’ and leave us to automatically commit your funds to first available lending or choose from the list of available lending opportunities on our Lender website
  3. Choose whether to lend to one Borrower or to a number of separate Borrowers
  4. Solicitors are appointed to perfect security before releasing your funds to Borrowers
  5. We aim to complete lending within 7-10 calendar days from a Borrower application being made, although timescales will often depend on the conduct of other parties.

Why join us

What’s the risk?

Latest News

  • Folk2Folk joins industry trade body the P2PFA

    Folk2Folk is pleased to announce it has joined the Peer-to-Peer Finance Association (P2PFA), recognised as a beacon for good standards of business conduct in the alternative finance sector, by...
  • Gastro guesthouse: Coombeshead Farm opens with help from Folk2Folk

    Cornwall is renowned for its culinary talents to turn amazing local produce into exquisite plates of food in fantastic settings. As a result, there is an abundance of award winning restaurants and...
  • Local swimming pool business stays afloat through Folk2Folk

    Business owner Laura of Aqua Stars Academy of Swimming turned to Folk2Folk to help her achieve her business goal of owning her own pool after years of renting a facility, allowing her to set up her...
  • Folk2Folk wins industry award

    We’re very pleased to announce that Folk2Folk has finished off the year with an award win.  This week, we were named by industry leading publication AltFi News as the UK’s “Up...
  • Folk2Folk gains FCA authorisation

    Today we are delighted to share some exciting news and a significant milestone for Folk2Folk as a P2P lending business as we are now fully authorised by the FCA.    Regulation is a huge...

Customer Stories

  • Richard's Story - Borrower

    "Sharp & Tappin is a precision engineering company and has been going for 11 years. The business has two parts: one is onboard cameras for ships and the other is composite blade saws...
  • Jim’s Story - Lender

    "I started my working life as a pilot in the Royal Air Force and after a 10 year commission I went to work in a building society which had a business arrangement with Parnalls solicitors who...
  • Pam's Story - Borrower

    "In 2009, I, together with my husband Robert and daughter Robyn, bought a pub which I had previously owned with my husband and sister in law and brother in law and sold in 2001. Since then it...
  • Nick's Story - Borrower

    Originally I was a farmer, but after Foot and Mouth affected us we had to diversify and Folk2Folk have enabled me to do this.  

    Initially I borrowed money through Parnalls Solicitors in 2011...
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