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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


Opening hours over Christmas and New Year: Mon 25th - 26th Dec: Closed Mon 1st Jan: Closed Tues 2nd Jan:...

Interview with our Co-Founder

Rural communities are often overlooked by financial services, but there are pioneers who embark on transformative journeys to bridge the...

Empowering Small Businesses and rewarding Investors

In an era where smaller businesses remain underserved, alternative lending platforms have emerged as champions of financial inclusivity. Since 2013,...

Financial Thing’s Livestream Q&A with FOLK2FOLK

Our MD Roy Warren and COO Gary Leitch were recently interviewed by Financial Thing CEO Laurence on all things investing...