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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?

    Find out more
  •  

    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 £289,664,306

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

"Very easy to lend my money - no complicated jargon, what you see is what you get."
C. Rimmer, 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
FOLK2FOLK ‘Influential Woman’ of the Year Announced!

The final awards ceremony of this year's Devon & Cornwall Venus Awards was held at the beautiful St Mellion International...

1st April 2019
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
Fintechs and banks battle in SME lending revolution (The Times ‘Future of Money’)

Are emerging fintechs levelling the playing field with high street banks in the SME lending market? Digital lending has the...

14th 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