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Our mission is to put humanity back into finance and our purpose is to create prosperity for Britain’s regions.

Our purpose:

To create prosperity for Britain’s regions by facilitating access to finance for British businesses and providing attractive investment opportunities for our community of retail and institutional Investors. 

Our mission:

To put humanity back into finance.  We believe it’s possible to be both a compassionate and a commercially successful business.

Who we are and what we do:

FOLK2FOLK is a marketplace lending platform focused on helping business-owners across regional Britain access the finance they need to grow, develop, or diversify; while providing fixed-rate, property-backed investments for retail and institutional investors. A happy by-product of our lending is a form of trickle-down economics which often has a wider human benefit, which we call FOLKONOMICS™.

Our story:

Every idea starts with a problem. Ours was in 2013 when the nation was still reeling from the global financial crisis, banks were withdrawing from many rural areas, funding for businesses was drying up, and savers were receiving rock-bottom levels of interest.

From Launceston, a market town in Cornwall, we saw the impacts of this first-hand. We saw people’s business ambitions being thwarted due to lack of access to finance and we witnessed our friends’ and neighbours’ frustration at not getting a fair return on their savings. Both of which were taking their toll on our local community.

Cornwall has always been a hotbed of original thought and innovation so it was only a matter of time before an idea was conceived to help local people.

That idea was that ‘good folks’ could help other ‘good folks’ by lending them their money. The thinking behind it was that people would do this in fair exchange for a good rate of interest and if it was all secured against the visible and tangible assets of land or property.

This local money exchange was started in Launceston and was aptly named FOLK2FOLK.  Three years later it became a regulated Peer to Peer (P2P) lender, fully authorised by the Financial Conduct Authority (FCA).

Motivated by a desire to help other financially disenfranchised local communities, FOLK2FOLK expanded out from its base in Cornwall to spearhead a Local Lending Movement nationally. We saw that typically, businesses in large conurbations had much easier access to finance, but what of the business owner in the more sparsely populated and rural regions of our country? We want to help level the playing field when it comes to availability of finance.

Today we are a proud Cornish business serving customers nationally, while still headquartered in Launceston. Via our lending platform, our investors have injected more hundreds of millions into small businesses across the regions of England, Scotland and Wales.

    Putting humanity back into finance

    The human face of finance

    We have a well-earned reputation as a friendly and human business because we’re about people; it’s in our name, and it’s how we think finance should be. The Financial services sector has become data driven, digitised and abstract which can create distance with the customer. We think technology should facilitate a faster experience by replacing inefficient processes but should not become a barrier to relationships.

    A Local Lending Movement

    Supporting regional Britain

    FOLK2FOLK is a national business on a mission to create prosperity for Britain’s regions. An inequality of opportunity for prosperity exists across the country and (without being in any way political) we want to play our part in redressing that imbalance.

    We believe we can have a direct and positive impact in supporting our regional economies by facilitating access to finance for small businesses, while providing attractive investment opportunities for individuals and Institutions.

    Wider community benefit


    A happy by-product of our lending is a flow on of benefits to the wider community and includes job creation, bolstering local supply chains, and the continued movement of money through local economies.  We coined the term FOLKOMONICS™ to describe this human impact of finance. Learn more


    Who do we lend to?

    Since 2013, we’ve successfully provided secured business loans to small businesses across Britain. From property renovators and developers, country hotels and pubs, food and drink producers, landowners and farmers seeking to diversify, manufacturing businesses, yoga studios, cafes, and golf courses to name only a few.

    Who are our Investors?

    Our Investors are individuals and institutions seeking to make a good investment and get the most out of their money. As a FOLK2FOLK Investor, they receive a fixed interest rate from 8.75% p.a. secured against land/property and the knowledge they are making a positive impact on British businesses and local communities.

    Loan Book by Sector

    Get a Business Loan Get a business loan

    Straightforward secured loans to kick start your business or take it to the next level, available in weeks not months.

    Get a business loan
    Invest in a Loan

    Earn a property-backed, fixed interest rate from 8.75% p.a. while helping British businesses grow, develop and diversity.

    Become an Investor
    Partner with Us Partner with Us

    Become an Introducer and partner with us to help British business access the finance they need.

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