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Invest in a loan to earn a secured return of typically 6.5% p.a. while helping British businesses

Make your money work harder by earning an inflation-beating interest rate. Capital at risk. No FSCS.

  • Invest from £20,000
  • Fixed interest rate of typically 6.5% p.a. paid monthly
  • Secured against UK land and property
  • No Investor losses to date*
  • Tax efficient investments possible with our IFISA
* Past performance is not a reliable indicator of future results.
"I feel secure lending with FOLK2FOLK and enjoy a good rate of return. FOLK2FOLK has a family feel to it which I find reassuring."
K. Holmes, Investor, FOLK stories

Who you’ll be lending to

Through FOLK2FOLK you’ll be helping to support entrepreneurial businesses from farmers, property renovators, developers, country hotels and pubs, right through to manufacturing businesses, yoga studios and cafés. You’ll be providing the finance to start or grow businesses, buy assets or boost working capital.

We’re choosy but fair and turn down Borrowers who don’t meet our criteria. Our credit assessment process includes undertaking credit reference checks, due diligence, checking asset ownership and often holding a personal meeting prior to loan approval.

It’s important, however, that you do your own due diligence and don’t rely solely on FOLK2FOLK’s review when deciding to invest into a loan on the FOLK2FOLK platform.

Examples of investment opportunities

For all available investment opportunities click here

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    Refinance Loan LA1886

    Loan requested to refinance existing borrowing on the security property, a former 39 bed hotel currently undergoing conversion into premium student accommodation. Term: 2 years

    Location: Aberdeenshire

    Interest: 6.5% p.a

    LTV: 60% (Open Market Value)
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    Land Purchase Loan LA1889

    Loan to purchase additional land which adjoins land currently owned and farmed by the borrowers. Secured against the existing owned acreage. Term: 2 years

    Location: Devon

    Interest: 6.5% p.a

    LTV: 60% (Open Market Value)
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    Property Purchase Loan LA1814

    Loan to buy out partner from equestrian property secured against said property. Term: 5 years

    Location: Norfolk

    Interest: 6.5% p.a

    LTV: 60% (Open Market Value)

What you should know before investing

Before you invest in a loan here are a few things we think you should know from the start. Why not also like to see our Frequently Asked Questions:

Investor Guide

Before investing in a loan read our Investor Guide and our Terms & Conditions.

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