• Help others while helping yourself

    Boost your monthly income by earning up to 9% p.a. 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?

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  • Coronavirus update

    The latest update from us along with resources that may help you and your business through these challenging times.

    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


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

C. Rimmer, Lender, FOLK stories
"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

Un-blocking the bank bottleneck

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Is social distancing making us more social?

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We've created a new coronavirus page where we'll be sharing inks to helpful information and posting FOLK2FOLK updates as things...

It’s time for a rural retail renaissance!

The local veg box or milk delivery is becoming an increasingly familiar sight as demand grows driven by the pandemic...