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Grow, develop or diversify with a peer to peer business loan from FOLK2FOLK

Straightforward peer to peer lending to kick start your business or take it to the next level.

  • Business loans from £50,000
  • Borrow from 6 months - 5 years
  • Rates from 0.38% - 0.75% p.m. *
  • Interest-only
  • Funds in weeks not months
  • * Your property against which the loan is secured could be at risk if you don’t meet payments.

"In a time when getting hold of finance for viable business projects with sound security is difficult, FOLK2FOLK offered a fast and effective solution."
D. Gundry-White, Borrower, FOLK stories

Can we help you?

Loans for almost any business purpose

We facilitate business loans for a wide range of local businesses from farmers seeking to diversify, property renovators and developers, country hotels and B&Bs, food and drink producers, manufacturing businesses, yoga studios, cafes and golf courses to name a few.

  • You must own land or property, other than your home, against which to secure the business loan.
  • You’re looking to borrow £50,000 or more
  • You’re based in UK (excluding the Isle of Man and Channel Isles)
  • You’re over 18
  • You pass our credit and other checks

Talk to us
Can we help you?

What's right for you?

Summary of our loans

Commercial Loan Development & Construction Loan
PURPOSE

A loan for any business purpose* including farm/agricultural property conversions.

A loan for property developers and construction projects.

AMOUNT

Min. £50,000

Min. £50,000

TERM

6 months – 5 years

6 months – 5 years

RATE

From 0.38% – 0.75% per month

From 0.42% – 0.75% per month

LTV%

Up to 60% (Market Value)

Up to 60% (Market Value)

* except property development and construction – see Development & Construction Loan
Get started
Commercial Loan
PURPOSE

A loan for any business purpose* including farm/agricultural property conversions.

AMOUNT

Min. £50,000

TERM

6 months – 5 years

RATE

From 0.38% – 0.75% per month

LTV%

Up to 60% (Market Value)

Development & Construction Loan
PURPOSE

A loan for property developers and construction projects.

AMOUNT

Min. £50,000

TERM

6 months – 5 years

RATE

From 0.42% – 0.75% per month

LTV%

Up to 60% (Market Value)

How to get a business loan

Efficient, happy and stress-free business funding

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Talk to us

Tell us your plans and we’ll tell you whether you’re eligible for a peer to peer loan and assign you a dedicated Client Relationship Manager.

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Apply

Your Client Relationship Manager will guide you through what information and documents we require to progress your business loan application.

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Loan approval

We review your peer to peer loan application and you’ll receive a decision within 24 - 72 hours*.

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Loan offer

You'll receive an official offer letter and we’ll match you with our approved Lenders.

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Security property is checked

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Granted access to funds

You are granted access to your business loan funds so you can get down to business!

*You’ll receive a decision on your loan within 24 - 72 hours of completing and submitting an application if all relevant documents are provided and there are no complications.

The important bits

What you should know about peer to peer loans

Before you take out a FOLK2FOLK secured loan it’s important you read and understand our Terms & Conditions. It’s also important you’re aware of the following things before you apply:

The cost of a FOLK2FOLK peer to peer loan

We’re transparent about how we process our secured loans and how much they cost. The cost of a FOLK2FOLK business loan is made up of three components:

  • Monthly interest payments to your lenders.
  • Initial and Annual Arrangement Fees to FOLK2FOLK for arranging the secured business loan over its lifetime.
  • Third party fees and disbursements such as legal fees and land registry fees.

To see a full overview of which business loan costs are applicable to your secured loan application, refer to the fee table in our Terms & Conditions

Your property is at risk

The property against which your business loan is secured is at risk if you do not meet the agreed payments.

What happens if you default on your payments

Find out how we handle defaults.

Borrower guide

For more information about what you should consider before borrowing via a peer-to-peer platform, please read our Borrower Guide.

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