FOLK2FOLK Business Loan

Product overview

Simple, flexible finance backed by property

Loans from £100,000
Secured against land or property
(excluding your home) with a maximum LTV of typically 60%
Fixed-rate, interest-only repayments
Terms from 6 months to 5 years
Quick decisions by people, not algorithms
Suitable for almost any business purpose

Funding purposes

Finance that fits your business goals

We’re sector agnostic and provide loans for almost any business purpose.

Explore loan purposes Explore sectors

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Start or buy a business

Launch a new venture or acquire an existing one.

Grow or expand

Scale up your operations, team, or footprint.

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Diversify operations

Branch into new income streams or market sectors.

Manage cash flow

Smooth seasonal fluctuations or support rapid growth.

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Refinance or consolidate debt

Improve terms or merge debts into a single loan.

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Buy, build or develop property

Secure funding for acquisitions, builds, or renovations.

Purchase or upgrade assets

Invest in new equipment, vehicles, or tech.

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Bridge a funding gap

Plug short-term funding gaps while awaiting income or a grant

Borrower eligibility

Is a FOLK2FOLK loan right for you?

See if you’re eligible

It might be if:

You’re based in the UK (excluding Channel Islands and Isle of Man)
You’re looking to borrow £100k or more for business purposes
You own UK property or land (other than your home) to secure the loan
You're aged 18 or over
You pass our credit and other checks

More information

Explore more about Borrowing via FOLK2FOLK

Looking for more detail before you decide? Our Knowledge Hub is here to help. From guidance on who we lend to and the purposes we’ll consider, to a clear breakdown of our business loan and answers to common questions, these resources are designed to give you clarity and confidence before you take the next step.