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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


  • 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


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

K. Holmes, Investor, FOLK stories
"I feel secure lending with FOLK2FOLK and enjoy a good rate of return. FOLK2FOLK has a family feel to it which I find reassuring."
K. Holmes, Investor, FOLK stories

Discover the benefits of private credit investments, and how FOLK2FOLK offers secure opportunities for impactful investments.
Understanding Private Credit Investments

In recent years, the quest for alternative investment opportunities has led many to discover the world of private credit. But...

Have you considered transferring your ISA?

Britain’s ISA system has undergone major changes over the years including the introduction of a new ISA - the Innovative...

Discover the key changes to ISAs, including multiple subscriptions, partial transfers, and expanded investment choices
ISA Rule Changes

The landscape of Individual Savings Accounts (ISAs) is on the cusp of change with new rules set to take effect...

Middle-age man sits in a chair and thinks. Text 'What is an IFISA?'. An Innovative Finance ISA (IFISA) allows you to invest in peer-to-peer (P2P) loans and receive interest tax-free in return. 
IFISA: what is it and how does it work?

What is an Innovative Finance ISA and how does it work? The Innovative Finance ISA (IFISA) is just one of...