What is P2P lending?

A simple way to connect investors and borrowers

Peer-to-peer (P2P) lending enables individuals and businesses to lend directly to small and medium-sized enterprises (SMEs) across Britain. The FOLK2FOLK investment platform provides a simple, transparent way to do just that.

Through FOLK2FOLK, your investment helps fund creditworthy British businesses looking to start, grow, or diversify. You earn monthly interest payments, and each loan is secured against UK land or property, typically up to 60% loan-to-value (LTV).

Learn about P2P investing

The process explained

What’s involved in becoming an investor

Before you can invest via FOLK2FOLK, you need to be approved as an investor to ensure this type of investment is suitable for you.

Understanding risk Our track record

1. Register and create your account

Register online and you will be guided through our account set up which includes anti-money laundering and ID checks, plus FCA-required steps such as the Appropriateness Test, and confirmation of your investor category.

There are no fees to register or invest, and no obligation to transfer funds into your account until you’re ready to invest.

2. Self-select your investments

Once your account is active, you can browse available investment opportunities through our secure Investor Portal, 24/7. Decide how much to invest from £20k and select an opportunity that suits you. All investments are property-secured loans, typically up to 60% loan-to-value (LTV), with interest rates of typically 8.50% p.a.

3. Earn monthly income

Once the loan has completed, you’ll receive monthly interest payments to your chosen bank account.

4. Capital repayment

Capital is repaid at the end of the agreed loan term but is not guaranteed. If you wish to exit before the loan term ends, you can list your investment for sale via our Secondary Market.

If you need to exit early

List your investment for sale on our Secondary Market

Our business loan investments are illiquid products. However, if your circumstances change and you wish to exit before the loan reaches full term, you can list your investment for sale via our Secondary Market (a listing fee applies).

While sales aren’t guaranteed, investments have sold within a day on average, though past performance is not a reliable indicator of future trend.

Accessing your money

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

FAQs

Popular questions

FOLK2FOLK welcomes individuals, businesses, and institutions as investors via its platform. To invest, you must be a solely UK tax resident, aged 18 or over, certify as one of the FCA’s approved client categories, and pass our Appropriateness Test.

Every loan is secured against UK land or property with a first legal charge, giving a tangible asset to support recovery if needed.

How our security works

Interest rates vary by loan and are fixed for the duration of the loan.

Current investor opportunities

If a borrower fails to pay interest or to repay the capital, we step in and assess all available recovery strategies to determine the best way forward to deliver good outcomes for our investors.

Our recovery process

Thinking about investing with us?

Apply online or call us to talk it through.

Register as an Investor Call 01566 773296

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