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  • Help others while helping yourself

    Boost your monthly income by earning up to 9% p.a. tax free while helping local businesses. Capital at risk. No FSCS.

    Find out more
  • Life changing loans
    from 0.38% p.m.

    Jon used his FOLK2FOLK business loan to diversify into ice-cream production and retail. What could you do with yours?

    Find out more
  • Help others while helping yourself

    Boost your monthly income by earning up to 9% p.a. tax free while helping local businesses. Capital at risk. No FSCS.

    Find out more

P2P borrowing

  • Rates from 0.38% - 0.75% p.m.*
  • Business loans from £50,000
  • Borrow from 6 months - 5 years
  • Interest-only loans in weeks not months
Get a business loan
*Your security property could be at risk if you don’t meet payments.

P2P investing

  • Rates from 4.5% - 9% p.a.*
  • Interest paid monthly
  • Secured against land or property
  • Personal service
Invest in a Loan
*Capital at risk. No FSCS.

Peer to peer loans funded to date

331,594,306

Our approach to P2P lending

Human 2 Human

We're the human face of FinTech

Fairer Finance

We believe in a fair exchange between our investors and borrowers

Invest Local

Our investors are helping local businesses grow and thrive nationwide

"Very easy to lend my money - no complicated jargon, what you see is what you get."
C. Rimmer, Lender, FOLK stories

Our peer to peer lending platform

Via our award-winning peer to peer lending platform, we enable individual investors to earn a monthly income at a great interest rate while helping local businesses grow, develop and diversify. Our Local Lending model often results in flow on positive impacts to the wider local community, creating job opportunities and contributing to the UK economy. We are FCA regulated and authorised.

Join The Movement
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How can peer to peer investing benefit farmers?

In this blog we explore how farmers and landowners can use their surplus cash flow or land/property assets to secure...