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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 £303,789,306

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
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