Why we exist
Backing business owners, investors and communities beyond the city
We believe prosperity should be possible wherever you live – not just in the cities. Yet for many rural and regional businesses, access to finance remains an uphill battle.
We’re here to change that by levelling the playing field: providing property-secured loans to regional businesses and creating income-generating opportunities for investors. By directing private capital into the UK’s underserved regions, we’re helping to drive business growth and wider economic renewal.
What we stand for
The human face of finance
We believe finance should be more human, more personal, and grounded in common sense. That’s why we put people at the heart of every decision. Our values guide the way we work with each other and with our customers.
Fairness
The concept of 'fair exchange' underpins our approach to both borrowers and investors.
Openness
We’re transparent, communicative, and straight-talking, with no hidden fees or fine print.
Loyalty
We’re 100% committed to serving our customers.
Kinship
We’re friendly folk and share a like-minded connection with our customers.
Seize the day
We back bold ideas and help people make things happen.
Our impact
The ripple effect of FOLKONOMICS ™
It’s not about money it’s what people do with it that counts. We see the power of positive finance every day. Each loan doesn’t just support one business. It often sets off a chain reaction: local jobs created or secured, supply chains energised, new local businesses drawing visitors, steady income flowing back to investors. We call this ripple effect FOLKONOMICS™, a simple but powerful idea that finance should work for everyone it touches.
Next steps
Ready to join our FOLKONOMICS™ community?
As featured in
Working in Partnership with
