Our track record
Over a decade of lending and investing
Since launching in Cornwall 2013, FOLK2FOLK has grown to become the UK’s leading peer-to-peer lending platform by cumulative lending.
We’ve facilitated hundreds of millions in loans to British businesses and delivered consistent monthly income to our community of investors.
This page brings together key data points to show how we’ve performed and the difference we’ve made.
the proof is in the numbers
A Proven Track Record of Lending and Investing
Since 2013, we’ve facilitated hundreds of millions in loans to British businesses and delivered regular monthly income to thousands of investors
£800m+
Loans facilitated to date
£542m
Capital repaid to investors
£17.5m
Interest paid in tax year 2024/25
6 years
Consecutive profitability
8.5% p.a.
Typical interest rate (varies by loan)
60% LTV
Typical maximum loan-to-value ratio
cumulative lending figures
Historic lending volumes
Since our launch in 2013, FOLK2FOLK’s cumulative lending has grown year on year – a reflection of both consistent investor confidence and the growing demand for regional funding. Each increase represents more businesses started, expanded, or diversified through our property-backed loans.
Our loan book
A diverse lending portfolio
Our lending portfolio reflects the real economy of regional Britain — diverse, hard-working, and opportunity-driven. The charts below show how our funding reaches across regions and sectors to support growth and prosperity nationwide
£455,000
Average loan size (by loan not borrower)
36 months
Average loan term
Regions
Our lending spans towns, villages, and rural communities across the UK — with particular strength in the South West, South East, and Scotland. This regional spread reflects our focus on supporting the vitality of regional economies and helping businesses thrive beyond the major cities.
% of FOLK2FOLK loan book by region
Source: FOLK2FOLK (Figures correct as of July 2025)
Sectors
We work with a broad mix of sectors that mirror the diversity of Britain’s regional economy. From agriculture and leisure to construction and property investment, our portfolio shows how businesses across different industries use FOLK2FOLK funding to fuel growth, create jobs, and strengthen local economies.
% of FOLK2FOLK loan book by region
Source: FOLK2FOLK (Figures correct as of July 2025)
Liquidity
Selling via our Secondary Market
While our investments are illiquid products and designed to be held to maturity, our active secondary market has historically enabled many investors to exit early.
0.45 days
Average time to sell (3 month period to June 2026)
100%
Success rate of listed investments sold
our awards
Industry recognition
Over the years, our approach to lending has earned us recognition from respected industry bodies and award panels. These awards are a testament not only to our business, but also to the thousands of investors and borrowers who have been part of our journey.
Our impact
Beyond the numbers
Many of our loans have a ripple effect – enabling businesses to invest, employ, and grow, while supporting local supply chains and strengthening economies across regional Britain.
From family farms diversifying into new ventures to developers breathing life into underused spaces, our lending helps sustain the backbone of the UK’s real economy.
Read about Our Impact.
Resources
Explore our track record in detail
Transparency is central to how we work. Alongside our performance figures, we provide detailed resources to help you understand our approach to investing, the outcomes we’ve delivered, and the safeguards we have in place. Use the links below to explore how FOLK2FOLK manages risk and protects investors.
Thinking about investing with us?
Apply online or call us to talk it through.
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