The FOLK2FOLK investor journey
This page walks you through every stage of investing with FOLK2FOLK, from first registration to final repayment and (if required) early exit.
Looking for a shorter version? Head to How it works for investors.
1. Register online
Create your account in minutes via the secure Investor Portal. There is no charge to register and no obligation to invest straight away.
2. Appropriateness Test
All prospective investors take a brief FCA-mandated questionnaire that checks your understanding of high-risk investments.
Further reading: Appropriateness Test – what it is and why it matters
3. Client categorisation
You select what type of investor you are – a High-Net-Worth, Sophisticated, Self-certified Sophisticated or Restricted Investor, as required under FCA rules.
Further reading: Client categorisation explained
4. AML & ID verification
We run Anti-Money-Laundering and Identity checks on individuals and, for business investors, on directors and beneficial owners with greater than 25% shareholding. (If you’re a Sole Trader Investor investing from £20 k, we apply the same streamlined checks we use for individuals.)
5. Account activation
Once approved, you’ll see your personal dashboard. From here you can browse live opportunities,
6. Browse and choose investments
Each opportunity page shows the borrower’s business purpose, fixed interest rate, term, loan-to-value % (LTV), and details of the property or land offered as security. You can invest from £20k (individuals and small businesses) or £250k (larger companies, trusts, charities and other corporate investors).
See live deals: Live investment opportunities
See past funded deals: Funded investments
7. Earn fixed monthly income
Interest is paid monthly, in arrears, directly into your nominated UK bank account. We do not deduct any platform or account fees. Your capital is repaid at the end of the loan term unless the borrower redeems early.
Need the numbers? See Investor rates, charges & fees
8. Ongoing monitoring
Download interest statements and see details of your current investments in your dashboard. Our Investor team is available by phone and email if you prefer human contact.
9. Early exit (optional)
If your plans change you can offer your investment for sale on our Secondary Market. A one-off £250 listing fee applies and a sale is not guaranteed. So far we’ve achieved 100% liquidity for investors selling via the secondary market but past performance should not be relied on for future trend. Historically time to sell has ranged from hours to several weeks.
Step-by-step guide: Selling via the Secondary Market
10. Repayment and next steps
At term end, the borrower repays capital and your investment closes. Many investors choose to reinvest their funds into new opportunities to keep monthly income flowing.
