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Grow, develop or diversify with a business loan

At FOLK2FOLK we offer straightforward finance to help kick start your business or crack on to the next level. We'll sort out the finance, while you focus on your business.

  • Business loans from £100,000
  • Borrow from 6 months - 5 years
  • Rates typically 6.5% p.a.
  • Interest-only
  • Funds in weeks not months
  • Your property against which the loan is secured could be at risk if you don’t meet payments.

"In a time when getting hold of finance for viable business projects with sound security is difficult, FOLK2FOLK offered a fast and effective solution."
D. Gundry-White, Borrower, FOLK stories

Loans for almost any business purpose

We facilitate business loans for a wide range of businesses and sectors. From farmers seeking to diversify, property renovators and developers, country house hotels and B&Bs, food and drink producers, manufacturing businesses, yoga studios, data centres, commercial premises, cafes and golf courses to name just a few.

  • You must own land or property, other than your home, against which to secure the business loan.
  • You’re looking to borrow £100,000 or more
  • You’re based in UK (excluding the Isle of Man and Channel Isles)
  • You’re over 18
  • You pass our credit and other checks

What you should know about our secured business loans

Before you take out a FOLK2FOLK secured loan you may like to review our Frequently Asked Questions and it’s important you read and understand our Terms & Conditions. It’s also important you’re aware of the following before you apply:

The cost of a FOLK2FOLK business loan

We’re transparent about how we process our secured loans and how much they cost. The cost of a FOLK2FOLK business loan is made up of three components:

  • Monthly interest payments to your Investors.
  • Initial and Annual Arrangement Fees to FOLK2FOLK for arranging the secured business loan over its lifetime.
  • Third party fees and disbursements such as legal fees and land registry fees.

To see a full overview of which business loan costs are applicable to your secured loan application, refer to the fee table in our Terms & Conditions

Your property is at risk

The property against which your business loan is secured is at risk if you do not meet the agreed payments.

What happens if you default on your payments

Find out how we handle defaults.

Borrower Guide

For more information about what you should consider before borrowing via a marketplace or peer-to-peer platform, please read our Borrower Guide.

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