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Investors. Don't invest unless you're prepared to lose money. Take 2 mins to learn more.

Invest in a loan to earn a property-backed return from 8.75% p.a. while helping British businesses

Make your money work harder by earning an inflation-beating interest rate.


  • Invest from £20,000
  • Fixed interest rate from 8.75% 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 - LAI00001572

    Repayment of existing Folk2Folk loan secured against 28 acres of land, convenience store and coffee shop. Term 3 years.

    Location: Cornwall

    Interest: 8.75% p.a.

    LTV: 60% (open market value)
  • Box Image

    Property Development Loan - LAI00001574

    To enable two properties to be completed and sold. 1 completed and 1partially completed properties to be security. Term: to 09/03/2024

    Location: Cornwall

    Interest: 12.0% p.a.

    LTV: 75% (Open Market Value)
  • Box Image

    Refinance Loan - LAI00001593

    Second tranche for on-going refurbishment of 3 vacant cottages on the estate. Final Tranche for set up of glamping pods on the land. Farm with 144 acres and grade II listed farmhouse is security. Term: to July 2027.

    Location: Shropshire

    Interest: 8.75% 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 read our Frequently Asked Questions:

  • Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
  • To be a FOLK2FOLK Investor you must be a UK tax resident only.  Learn more about tax and return.
  • A peer-to-peer loan investment is illiquid. If you need to exit your loan investment early you can offer it for sale to other FOLK2FOLK Investors via our secondary market, but there is no guarantee of a sale.
  • Your loan investment may be redeemed earlier than expected by the Borrower.
  • There are no fees to enter into a loan, but fees apply if you wish to exit your investment early.

Investor Guide

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

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