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    Life changing loans
    from 0.38% p.m.

    Tabitha used her FOLK2FOLK business loan to convert a country house into a boutique hotel. What could you do with yours?

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    Open up a new world of opportunities with our income Innovative Finance ISA (IFISA)

    Boost your monthly income by earning up to 9% p.a. tax free and who knows where it could take you! Capital at risk. No FSCS. ISA rules apply.

    Find out more
P2P borrowing
  • Rates from 0.38% p.m.*
  • Business loans from £50,000 to £5m+
  • Borrow from 6 months - 5 years
  • Interest-only loans in weeks not months
Get a business loan
*This is equivalent to 4.5% p.a.
P2P lending
  • Rates up to 9% p.a.*
  • Interest paid monthly
  • Secured against land or property
  • Personal service
Become a Lender
*Capital at risk. No FSCS.
Peer to peer loans funded to date £283,724,306

Our approach to P2P lending

Human 2 Human

We put a human face to finance. Meet us in one of our branches

Fairer Finance

We believe in a fair exchange between Borrower and Lender

Invest Local

Our Lenders are helping local businesses grow and thrive nationwide

"I feel secure lending with FOLK2FOLK and enjoy a good rate of return. FOLK2FOLK has a family feel to it which I find reassuring."
K. Holmes, Lender
FOLK stories
Our customers love what we do

Our peer to peer lending platform

We empower local businesses requiring debt finance by matching them directly with individual investors through our award-winning peer to peer lending platform.

We are leading a Local Lending Movement by enabling Lenders to support local UK businesses to grow, develop and diversify, driving positive impacts in local and rural communities, creating job opportunities and contributing to the UK economy.

Join The Movement
Five predictions for the future of money (The Times ‘Future of Money’)

A thought provoking view of the future of money by Ian Fraser for The Times. Financial experts discuss what the...

27th March 2019
Income IFISA

Give your monthly income a boost by earning up to 9% p.a. tax-free and open up a whole new world...

14th March 2019
Life Changing Business Loans

Helping SMEs grow, develop, diversify or refinance. Our commonsense approach to lending means we've helped hundreds of SMEs who've been...

14th March 2019
Rachel Thomson Joins FOLK2FOLK as Business Development Manager for Cornwall

FOLK2FOLK recently appointed Rachel Thomson as Business Development Manager for Cornwall. Rachel has a wealth of experience in financial services...

18th February 2019