Folk2Folk is re-setting the values around lending money.  We exist to provide a fair deal for all, to make lending easier, more reliable, less stressful and more productive for local communities.

Our customersDesigned around our customers

We listened to what local people wanted and designed Folk2Folk and our loans to answer those needs:

  • No stress
    Borrowers do not want to be stressed by capital repayments so we decided upon Interest-only loans. 
  • A fair deal for all
    We are all about the fair exchange of money between Lender and Borrower. A fair deal for those looking for a better return on their money; a fair deal for Borrowers who want a simple, low cost loan delivered with a smile; and a fair fee for us.

Keeping it local

Folk2Folk is a proponent of what we call ‘keeping it in the community’ lending. Our focus is providing a local funding solution and a local investment opportunity for Borrowers and Lenders and in many instances these arrangements have local community benefits.

Taking an holistic view

We are quite particular about Borrowers.  Which is why we like to get to know them pretty well before they are approved and matched with one of our Lenders. But we don’t just rely on the usual checks and balances – we take an holistic view of the person (or business) and their project.  We believe that by having the full picture of someone we are better placed to judge whether they will make a ‘good’ Borrower, and we also believe it’s fairer on them. Read more about our holistic approach.

Dealing with people not just a website

We like doing business with people and we think our customers prefer it too.  We are one of the only P2Ps in the world with a high street presence.  Feel free to give us a call or drop in and see us! View our current office locations.


Latest News

  • Claire Thayers talks: Why the Visitor Economy matters

    Do you ever stop to think about the importance of the Visitor Economy and how it affects you, your business and local area? I’ve always struggled with the word ‘tourism’ as most...
  • FOLKSTORY - Borrower Toastie Taverns

    Lower monthly repayments and a relationship with an organisation that makes the effort to understand her business were two of the main reasons pub company boss Lesley Humphrys opted for a FOLK2FOLK...
  • FOLK2FOLK to enable access to EU grant funding

    FOLK2FOLK, the award-winning Peer-to-Peer lending platform for local and rural businesses, today announces that it will host a series of events in Gloucestershire during March 2018. Working on the...
  • NEWS - FOLK2FOLK reaches £200m lent milestone

      FOLK2FOLK, the Peer-to-Peer lending platform for local and rural businesses, has now lent £200 million, providing a valuable source of capital to hundreds of local businesses across...
  • CEO Interview: Giles Cross

    Giles Cross explains why FOLK2FOLK is his kind of financial services company After 25 years in Britain’s financial services industry, new FOLK2FOLK CEO Giles Cross says he has found his...

Customer Stories

  • Richard's Story - Borrower

    "Sharp & Tappin is a precision engineering company and has been going for 11 years. The business has two parts: one is onboard cameras for ships and the other is composite blade saws...
  • Jim’s Story - Lender

    "I started my working life as a pilot in the Royal Air Force and after a 10 year commission I went to work in a building society which had a business arrangement with Parnalls solicitors who...
  • Pam's Story - Borrower

    "In 2009, I, together with my husband Robert and daughter Robyn, bought a pub which I had previously owned with my husband and sister in law and brother in law and sold in 2001. Since then it...
  • Nick's Story - Borrower

    Originally I was a farmer, but after Foot and Mouth affected us we had to diversify and Folk2Folk have enabled me to do this.  

    I have borrowed money through Folk2Folk since they began and...
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