Borrower eligibility criteria | Who can get a business loan?

Who we lend to

We back people with business ambition and property assets

If you’re a business owner, entrepreneur, or developer with land or property to secure against a loan, FOLK2FOLK could be the right fit. We work with businesses across regional UK who need funding to take the next step — whether that’s starting something new, growing an existing venture, or diversifying into new opportunities.

We take a people-first, common-sense approach to lending — focused on potential, not red tape.

Eligibility requirements

Are you eligible to apply?

You can apply if:

You’re aged 18 or over
You’re a UK resident, or your business is UK-based with beneficial owners who are UK citizens or have indefinite leave and reside in the UK (excluding Channel Islands and Isle of Man)
You’re borrowing for a business purpose (e.g., start-up, expansion, diversification, refinance, etc.)
You have sufficient UK property or land (other than your home) to secure the loan

We lend to: Individuals, sole traders, partnerships, LLPs, limited companies

While we’re flexible, we don’t lend for:

Unsecured loans
Consumer or personal finance (e.g. holidays or paying off personal debt)
Charity fundraising
Property without clear UK legal title
Loans secured against your primary home

Need more detail?

Helpful resources for Borrowers

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.