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Investors. Don't invest unless you're prepared to lose money. Take 2 mins to learn more.
  • Grow your nest egg from 8.75% p.a. tax-free

    With our Innovative Finance ISA (IFISA).

  • Earn from 8.75% p.a. in interest, secured against UK property.

    And receive a monthly income.

  • Loans for almost any business purpose.

    To help British SMEs grow, develop or diversify.

Business Loans

  • Loans for almost any business purpose
  • Interest-only from 8.75% p.a.
  • Borrow from £100,000
  • Funds in weeks not months
Learn more

Investing

  • Interest rates starting from 8.75% p.a.
  • Fixed interest paid monthly
  • Secured against UK land / property
  • Personal service
Learn more

Business loans funded to date

£685,209,306.00

Our approach to marketplace lending

Human 2 Human

We are the human face of finance

Fairer Finance

We believe in a fair exchange between our Investors and Borrowers

Invest Local

Our Investors are helping local businesses throughout Britain grow and thrive

C. Rimmer, Investor, FOLK stories
"Very easy to lend my money - no complicated jargon, what you see is what you get."
C. Rimmer, Investor, FOLK stories

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The Rise and Rise of Alternative Credit Investing

The financial landscape is as dynamic as ever, and the quest for more personalised, flexible, and impactful financing solutions has...

The Importance of Urgency and Understanding in Borrowing

In a climate of economic uncertainty, where lending criteria has become ever more stringent, brokers and borrowers are navigating a...

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Selling your business or retiring? How to make your money work for you

Selling your business is the start of a new journey filled with possibilities as you transition into a new phase...

man on top of mountain with phone in hand. text reads '5 reasons to choose an Innovative Finance ISA (IFISA)'
5 reasons to choose an Innovative Finance ISA (IFISA)

The start of a new financial year is often a prompter to get one’s financial plans in order.  If you’re...