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Help local businesses while helping yourself earn interest each month

Great interest rates. Brilliant feeling. Make a huge impact by lending locally.

Make your money work harder by earning an inflation-beating interest rate on your capital while helping to fund local businesses.  Capital at risk. No FSCS.

  • Invest from £20,000
  • Fixed interest rate of 4.5% - 9% p.a. paid monthly
  • Secured against UK land and property
  • No Lender losses to date*
  • Tax efficient investments possible with our IFISA
* Past performance is not a reliable indicator of future results.
"Very easy to lend my money - no complicated jargon, what you see is what you get."
C. Rimmer, Lender, FOLK stories

The Important Bits

What you should know before investing

Before you invest in a peer to peer business loan there are a few things we think you should know from the start:

Lender Guide

Before investing in a peer to peer loan through FOLK2FOLK read our Lender & IFISA Guide and our Terms & Conditions.

What's right for you?

Efficient, happy and stress-free lending

Support credit-worthy businesses while earning a great interest rate. As a FOLK2FOLK Lender you can choose your preference for location, sector, term and interest rate (depending upon loan availability). We don’t give advice and you should contact an adviser if you require financial or tax advice when deciding whether a peer to peer loan is right for you as an investment.

INTEREST RATE

From 4.5% – 9% p.a. (fixed)

LTV%

Max. 60% (Market Value)

LOAN TERM

6 months – 5 years

Get started
INTEREST RATE

From 4.5% – 9% p.a. (fixed)

LTV%

Max. 60% (Market Value)

LOAN TERM

6 months – 5 years

INTEREST RATE
LTV%
LOAN TERM
INTEREST RATE
LTV%
LOAN TERM

How it works?

How to invest in a peer to peer loan

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Talk to us or Apply online

You can register online, call us or drop into one of our branches. We’ll verify your identity, do our Anti-Money Laundering checks and then you’re ready to become an approved Lender.

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Consider signing up for our IFISA

With our Innovative Finance ISA you could earn up to 9% p.a. interest tax-free (fees apply however, from 6th April 2019 there will be no fees to set up or manage our  IFISA.)

Learn about our IFISA here

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Get matched to a loan

We’ll contact you once you reach the top of our waiting list with lending opportunities.

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Transfer your funds

We’ll only ask you for your funds once you’ve agreed to an investment opportunity (except ISA Lenders).

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Start earning up to 9% p.a.

Who you’ll be lending to

Through FOLK2FOLK you’ll be helping to support local, rural and entrepreneurial businesses from farmers, property renovators, developers, country hotels and pubs, right through to manufacturing businesses, yoga studios and cafés. You’ll be providing the finance to start or grow businesses, buy assets or boost working capital.

We’re choosy but fair and turn down Borrowers who don’t meet our criteria. Our credit assessment process includes undertaking credit reference checks, due diligence, checking asset ownership and often holding a personal meeting prior to loan approval.

It’s important, however, that you do your own due diligence and don’t rely solely on FOLK2FOLK’s review when deciding to invest into a loan on the FOLK2FOLK platform.

Read more about our borrowers and how they've used their FOLK2FOLK loan.

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