We help to create and sustain financially and socially successful local communities by facilitating straightforward local peer to peer lending.

We match local businesses looking for loans with individual investors through our award-winning peer to peer lending platform.

FOLK2FOLK enables lenders to support local UK businesses to grow and thrive. This positively impacts local communities across the UK, creating job opportunities and contributing to the UK economy.

  • FOLK2FOLK is a business built on the value of “fair exchange”. We are transparent about our charging, and the interest rate the Borrower pays goes direct to the Lender
  • FOLK2FOLK uses technology to enhance human relationships and bring them together. We describe FOLK2FOLK not as a B2B or B2C business, but as H2H (Human2Human).
FOLK2FOLK our purpose

Building a better community for everyone

The Local Lending Movement

We’ve always talked about creating a national community of Lenders and Borrowers to dynamise the rural economy. Now we’re creating a wider ecosystem that goes beyond that to facilitate rural business growth on the ground. We call it our Local Lending Movement.

The human face of FinTech

FOLK2FOLK is a national business with a local presence in Cornwall, Devon, Three Counties & Midlands, and Rutland. We value our relationships and networks to enable the delivery of The Local Lending Movement.

Who receives our peer to peer loans?

Since 2013, we’ve successfully provided secured business loans to property renovators and developers, country hotels and pubs, food and drink producers, landowners and farmers seeking to diversify, manufacturing businesses, yoga studios, cafes, and golf courses to name a few. All our borrowers are local, rural or entrepreneurial businesses looking for finance to grow, develop or diversify.

Who are our lenders?

Our Lenders are individuals seeking to make a good investment and get the most out of their money. As a FOLK2FOLK Lender, they receive a fixed interest rate of 4.5% p.a. up to 9% p.a. and  the unique reward knowing they are helping to make a huge impact on local businesses and communities.

Loan Book by Sector

Get a Business Loan Get a business loan

Straightforward secured loans to kick start your business or take it to the next level, available in weeks not months.

Get a business loan
Invest in a Loan

Earn a fixed interest rate of 4.5% p.a. up to 9% p.a. while helping local businesses.

Become a lender
Partner with Us Partner with Us

Join The Local Lending Movement!

Partner with us