Who funds your loans
FOLK2FOLK loans are funded by investors: individuals, families, businesses, and institutions who want to earn a monthly income by backing creditworthy British businesses like yours.
Unlike traditional banks, we don’t lend out our own money. Instead, we match borrowers with investors who choose to fund their loans through our platform.
This is called peer-to-peer lending (P2P for short), and we’ve been doing it successfully since 2013.
Why it matters
This model means:
- Your loan is funded by real people, not faceless institutions.
- You benefit from a more human approach to lending, with decisions made by people not algorithms.
- You can be part of a model where success flows both ways: your business grows, and investors receive a steady income in return.
Why investors choose to support businesses like yours
Our investors want to:
- Earn a fixed monthly income
- Invest in loans backed by property security
- Support small regional businesses and regional prosperity
They value transparency, security, and the opportunity to make a meaningful impact and your business could be part of that.
If you’d like to talk to someone about how our investor matching process works – talk to us – we’re happy to help.
