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What you need to know about investing via our peer to peer platform.

Why invest with folk2folk

Here’s why thousands of investors choose FOLK2FOLK

With a strong track record of lending performance and loyal investors spanning more than a decade, FOLK2FOLK offers a straightforward way to earn monthly income while supporting British businesses.

  • Earn monthly income

    Receive fixed interest payments each month.

  • Secured investment

    Every loan is secured with a first charge against UK land or property.

  • Competitive returns

    Earn typically 8.5% p.a. on your investment.

  • Earn Tax-free

    Earn tax-free with our IFISA.

  • No fees to invest

    No fees or deductions from your income.

  • Secondary Market access

    Option to sell early, subject to demand.

  • Back British SMEs

    Your money fuels growth in regional UK.

For individual investors

Invest for the life you want

Your life, your goals. Whether you’re investing for income, freedom, lifestyle or legacy, our property-backed investments can help you get there.

Our investors value a fixed-rate income they can plan around, whether that’s funding retirement, supporting family, or creating more time for what matters.

Looking to invest as an institution, family office, or business? Explore professional investing options.

Earn monthly income

Invest from £20,000 and generate passive income with fixed monthly returns.

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Grow your wealth

Use property-backed investments to build and protect your wealth.

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Fund your goals

Use your investment to support the lifestyle and milestones that matter most to you.

Make an impact

Combine purpose and profit with property-backed investments that support UK businesses.

Your investment options

Choose your way to invest

Invest in Business Loan Investments directly, or through our IFISA for tax-free returns.

How to start investing

Becoming an Investor is simple

To invest with FOLK2FOLK, you must be a solely UK tax resident and aged 18 or over. See full criteria.

01.

Apply to be an Investor

Complete your application online or call us. You’ll take an Appropriateness Test and confirm your investor type. We’ll carry out ID and Anti-Money Laundering checks.

02.

Choose your investment

Explore available investment opportunities and choose the ones that suit you.

03.

Start earning monthly income

Commit to an investment and start receiving monthly income once the loan completes.

Learn More About How It Works

For Professional, Corporate & Business Investors

Attractive, fixed-rate investments backed by UK property

Discover investment opportunities for institutions, family offices, and businesses seeking attractive returns, income diversification, and property-backed stability.

FAQs

Common Investor questions

You must be a solely UK tax resident, aged 18 or over, and pass our Appropriateness Test to invest with us. We welcome individuals, businesses, and institutions.

Check Full Eligibility Criteria

FOLK2FOLK loans are fixed term, but you may be able to sell your investment on our Secondary Market. While we’ve historically facilitated sales quickly, resale isn’t guaranteed.

Learn How The Secondary Market Works

An IFISA (Innovative Finance ISA) lets you earn interest from peer-to-peer loans like ours, tax-free—up to your annual ISA allowance.

More On How Our IFISA Works

Your capital is at risk and returns are not guaranteed. Loans may default, and investments are not covered by the FSCS. All loans are secured against UK land or property.

Read about investment risks

Property-backed investing means your money is lent to a borrower, and that loan is secured against a piece of land or property. This security acts as collateral: if the borrower fails to repay, the property can be sold to recover funds.

At FOLK2FOLK, all investments are secured by a first legal charge over UK property. This structure provides an added layer of protection compared with unsecured lending.

View all Investor FAQs
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What our customers say

View all

"We have been investing through folk to folk for over 5 years and feel that we know most of the staff . I have every confidence in them they are friendly efficient and answer the phone straight away and some even recognise me by my voice. I recommend this company 100%"

T.H - Investor

"As an investor with F2F for almost 10 years, I have always been impressed with how they operate & would always recommend them."

T.L - Investor

"I have nothing but praise for all the people at Folk2Folk. Always respond quickly to phone calls and keep me informed at every stage of the loan process. Also, great interest rates."

E.A - Investor

Explore more

Resources to help Investors

Having the right information helps you make the best decisions. Explore articles, guides, and resources, including our Knowledge Hub, for insight into IFISAs, tax, liquidity, risk, and how investing with FOLK2FOLK works.

How it works for Investors

Understanding investment risk

Our track record

Businesss loan investment

Investing FAQs

View Knowledge Hub

Stay up to date

Latest news for Investors

Stay up to date with the latest investment news, market insights, and updates from FOLK2FOLK.

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IFISA

30 Mar, 2026

ISA deadline 2026: last chance to use your allowance

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Investing

06 Mar, 2026

What Recent Events Mean for Asset-Backed Lending

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Thinking about investing with us?

Apply online or call us to talk it through.

Sign Up To Invest Call 01566 773296

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