Download our Borrower Guide

What you need to know about borrowing via our Peer to Peer platform.

Why borrow with FOLK2FOLK?

We’ve funded thousands of loans to UK SMEs

FOLK2FOLK helps small businesses across the regions access the property-secured finance they need to start, grow, diversify, or simply get on with what matters.

  • Loans for almost any business purpose

  • We're sector agnostic

    supporting a range of industries

  • Regional focus

    funding beyond the big cities

  • Holistic approach

    taking a bigger-picture view

  • Quick, human decisions

    made by people, not algorithms

We're sector agnostic

Whatever your sector, we're here to help

Every business is different. That’s why we look at more than just numbers, and why we’ve funded projects across farming, property, leisure, retail, and more. If you’ve got land or property to offer as security, we’ll consider your ambitions.

Explore all sectors
Surveyor looking through theodolite on a construction site

Property finance

Fund development, refurbishment, or property-led growth.

Farmer in his tractor on his mobile phone

Farm finance

Support land purchases, diversification, or operational needs.

Renewable energy loans

Access funding for solar, wind, hydro or green innovation.

Girl sitting crossways on yellow armchair working on laptop

Leisure & tourism loans

Grow your visitor experience with secured, flexible finance.

Couple walking hand in hand in the country

Loans for hospitality businesses

Finance upgrades, expansion or new opportunities in food & drink.

LOANS FOR ALMOST ANY BUSINESS PURPOSE

What do you need funding for?

Our loan product

One simple product. Many possibilities.

  • Business loans from £100k

  • Fixed rate, interest-only payments

  • From 6 months up to 5 years

  • Borrow up to 60% of your property’s value

  • Human-led, holistic credit assessment

Learn more about our Business Loan

Borrower eligibility

Is a FOLK2FOLK loan right for you?

We offer interest-only loans from £100k to enable UK-based businesses to start, grow and diversify. All our loans are secured against land or property and we take a holistic, human-approach to decision-making.

Talk to Us

Here’s what we’re looking for:

  • You’re based in England, Scotland or Wales (excludes Channel Islands and Isle of Man)
  • You’re looking to borrow £100k or more
  • You own UK mainland property or land (other than your home) to secure the loan
  • You're aged 18 or over
  • You pass our credit and other checks

What our customers say

View all

"From start to finish, which, impressively, was not long at all, the team at Folk2Folk has been absolutely faultless. The dedication, hard work and speed at which you operated made all the difference, allowing me to keep my farm.
You are truly in a league of your own. The regular updates and seamless communication provided me with confidence and peace of mind throughout the process. I can not thank you enough for your outstanding work.
A superb team indeed!"

N.G - Borrower

"Fantastic and seamless experience. The entire team at F2F are extremely helpful and deliver when they say they will. The service and product should be the benchmark for all lenders in this market."

I.S - Borrower

"I have dealt with F2F on my current project for the last few years. They understand problems and are very flexible in helping to deal with them. The person I dealt with was easy to contact and knowledgable about the construction industry."

D.W. - Borrower

Need more detail?

Helpful resources for Borrowers

Got questions about how borrowing with FOLK2FOLK works? Explore our guides and FAQs to better understand the process, costs, and how to get started.

View borrower resources

Who can borrow via FOLK2FOLK?

Understanding the borrowing process at FOLK2FOLK

Borrowing costs

Borrowing FAQs

Make an enquiry

Stay up to date

Latest news about borrowing

Keep up with the latest updates and insights to support your borrowing journey with FOLK2FOLK.

View All Posts

As featured in

Working in Partnership with