Tax-free | Fixed-rate | Property-backed
FOLK2FOLK Innovative Finance ISA (IFISA)
Our IFISA gives you the same property-backed Business Loan Investments we’re known for, but wrapped in a tax-free ISA. You’ll earn fixed monthly interest without paying tax on your returns.
By investing through our IFISA, you can:
- Make full use of your annual ISA allowance
- Transfer existing ISA funds from other providers
- Support credit-worthy British businesses while keeping your returns tax-efficient
product benefits
How our IFISA works
With the FOLK2FOLK IFISA, you are investing in a Business Loan Investment with the benefit of the ISA tax-wrapper. You can invest new funds or transfer existing ISAs to us. ISA rules apply.
- Minimum investment is £20,000
- Invest in secured loans of your choice
- Receive monthly interest tax-free
- Capital is repaid at the end of the loan term
- Loan terms range from 6 months to 5 years
suitability
Is this IFISA right for you?
Our IFISA is available to investors who meet specific eligibility requirements set to ensure suitability and compliance. These checks are designed to confirm that you understand the risks involved and that the product is appropriate for your circumstances before you commit funds.
To be eligible, you must:
- Be solely UK tax resident.
- Be aged 18 or over.
- Pass our Appropriateness Test and Client Categorisation.
- Invest a minimum of £20,000 (new allowance or transfer existing ISA funds)
common questions
Investor questions answered
Yes, you can transfer in funds from an existing Cash ISA, Stocks & Shares ISA, or another IFISA either in full or in part without affecting your current year’s ISA allowance.
No. An IFISA is not the same as a Cash ISA. With an IFISA, your money is invested in peer-to-peer loans, so your capital is at risk and returns are not guaranteed. In exchange, you can earn higher, tax-free interest.
An IFISA carries the same risks as any other FOLK2FOLK investment.
No, investments via Peer-to-Peer platforms are not covered by the FSCS. However, platforms are obliged by their regulator, the Financial Conduct Authority (FCA), to have plans in place to ensure an orderly wind down in the event they fail. Read more about the FSCS and our wind-down plan. Read more about the FSCS and our wind-down plan.
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Resources to help Investors
Explore helpful guides and resources to support your investing journey — from understanding risk and liquidity to learning how FOLK2FOLK’s process and products work.
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