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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.
"Very easy to lend my money - no complicated jargon, what you see is what you get."
C. Rimmer, 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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    Business Expansion Loan LAI00001374

    Tranche loan to assist commercial developments of franchise and business expansion. Secured by x4 commercial units. Term: 3 Years

    Location: Devon, Staffordshire & Monmouthshire

    Interest: 6.5% p.a

    LTV: 60% (Open Market Value)
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    Business Expansion Loan LAI00001377

    Loan for development of parts of 33 acres woodland to add lodges and shepherds' huts. This is also the security. Term: 5 Years

    Location: Staffordshire

    Interest: 6.5% p.a

    LTV: 60% (Open Market Value)
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    Refinance Loan LAI00001371

    Loan to refinance existing borrowing, refurbishment of farmhouse and assist business expansion. Secured over farmhouse and land. Term: 5 Years

    Location: Monmouthshire

    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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