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Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

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  • Invest

    Who can invest

    • Individual investors
    • Businesses
    • Family Offices
    • Institutions

    Investment goals

    • Earn monthly income
    • Preserve wealth
    • Fund life goals
    • Make an impact

    Ways to invest

    • Business Loan Investment
    • Innovative Finance ISA (IFISA)
    • Available opportunities
    • Secondary Market

    How it works

    • How investing works
    • Understanding risk
    • How to become an investor
    • Investor terms & fees
    • Accessing your money
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    • Our track record
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    • Register as an investor
    • Outcomes statement
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  • Borrow

    What we fund

    • Sectors
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    Our loans

    • Business Loan

    How it works

    • Who can borrow
    • Borrowing process
    • Security & LTV
    • Terms & costs
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    • Get a loan
    • Explore Knowledge Hub
  • Introduce

    Refer borrowers

    • How it works
    • Make a referral

    Refer investors

    • How it works
    • Make a referral

    Other introducers

    • Content creators
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    • Existing customers
    • Signpost your contacts to FOLK2FOLK

    • Explore Knowledge Hub
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    • FOLK stories
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  • About
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    • Our purpose
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    • Careers
  • Contact
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Farmer with sheepdog and sheep

Creating regional prosperity

We connect investors with regional businesses that need funding, to help build prosperity beyond the cities.

Home ● About

FOLK2FOLK building

About us

Who we are

FOLK2FOLK is the UK’s largest peer-to-peer lender to business in terms of cumulative lending. But we’re not just about numbers, we’re about people.

We exist to help build prosperity across the regional parts of the UK. By connecting investors looking for monthly income with SMEs seeking finance, we’re helping businesses grow, investors prosper, and regional economies strengthen.

Our track record

Our Name

Why we’re called FOLK2FOLK

The word FOLK reflects our rural origin and values, and the humanity at the heart of our business. It’s about fair exchange between like-minded people: good folk lending to good folk.

What is FOLKONOMICS™?

FOLK

Definition:

/fəʊk/ noun

  1. People considered collectively, especially those sharing a common culture, traditions, or way of life.
  2. Human beings; people.

Characterised by: down-to-earth; open-minded; connected.

More about us

Our story, purpose, and people

Explore the principles, people, and milestones behind our mission to create prosperity for regional UK.

 

  • Our story

    Discover how a Cornish problem became a national solution.

  • Our purpose

    Learn why we exist and who we serve.

  • Our history

    A visual timeline of milestones and momentum.

  • Our impact

    Real world impact of our lending model.

  • Our awards

    Recognition we’ve earned.

  • Our team

    Meet the FOLK behind the finance.

Want to make a difference with us?

Whether you’re a borrower, investor, introducer, or future teammate there’s a place for you with us.

I want to invest

Connect with local businesses and earn attractive returns while supporting regional growth.

Discover Investing

I need funding

Secure flexible, relationship-based finance to help your business thrive and expand.

Explore Funding

I can introduce

Facilitate growth in your community by introducing a borrower.

Refer a business

Join our team

Want to work with us? See our current job vacancies.

View Vacancies

As featured in

Working in Partnership with

FOLK2FOLK Secured Investments & Loans logo

New enquiries

01566 773296 enquiries@folk2folk.com

Existing customers

01566 773296 customerservices@folk2folk.com

Brokers

01566 706960 brokers@folk2folk.com

Our registered office address
NUMBER ONE Business Centre,
Western Road, Launceston,
Cornwall, PL15 7FJ

Mon-Fri: 9am-5pm
Closed on bank holidays.

FOLK2FOLK Limited is authorised and regulated by the Financial Conduct Authority (FRN 720867). Company Registration No. 08178576.

What we do

  • Invest
  • Borrow
  • Introduce
  • Contact

Resources

  • Blog
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  • FOLK Stories
  • Knowledge Hub

Who we are

  • Our purpose
  • Our history
  • Our awards
  • Careers

Legal

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  • Privacy policy
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© 2026 FOLK2FOLK

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