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Folk2folk - Business Loans, Peer to peer lending


Folk2Folk is a peer to peer lending platform for business loans and all of their loans are secured against UK land or property. Businesses can borrow from £50k - £5m over a term of 6 months to 5 years. 

Investors can invest over 3 different term lengths; the 'Rolling loan' which has a 6 months min – then rolling, 'Fixed 1 or 2' with an investment term of 1 or 2 years or the 'Fixed 3, 4 or 5' which has investment terms of 3, 4 or 5 years. With all investment terms, you can exit early by offering your loan for sale via Folk2Folk’s Marketplace (after 6 months from initial investment). The minimum investment amount on the Folk2Folk platform is £20,000.

There are no fees to enter into a Folk2Folk loan (with the exception of the IFISA where a 1% +VAT fee applies for the IFISA wrapper). There is a Pre-Signing Exit Fee of £100. A Connected Substitution Fee being an amount equal to the costs and expenses incurred by Folk2Folk which is likely not to exceed £395 plus VAT plus disbursements. Also a MarketPlace Listing Fee of £250 is charged. There is a MarketPlace Success Fee of 0.5% (less the listing fee) should you be successful in selling your loan parts. There is also an Exit Without Proper Notice Fee on Easy In/Easy Out loans of £395 plus any other expenses or costs incurred by Folk2Folk or the Borrower including but not limited to the Disbursements.

Apply Invest your money

Apply for a loan

If you can utilise your property assets, secured peer-to-peer finance is a great option for businesses looking to grow or simply wanting a cash injection.

  • You can borrow: From £25,000 to £5 million or more
  • If you are: An individual, company or partnership based in the UK (excluding the Isle of Man and the Channel Islands) and are over 18
  • You will need: Security (land or property) other than your home as security for the loan. We will lend up to a maximum of 60% of the forced sale value of the security
  • Choose your term: You can choose either a fixed term loan of up to 5 years’ duration or an Easy In/Easy Out loan (3 months’ notice by Borrower or Lender). In certain circumstances a pre-auction letter of credit can be issued to assist Borrowers who intend to bid for a property at auction


Invest your money

We insist on loans secured by a mortgage over property to protect our Lenders’ interests. How it works:-

  • Back business loans secured against UK land or property
  • No Autolend/ Autobid system available
  • 6 months to 5 year terms
  • There are no fees to invest in a Folk2folk loan (with the exception of the IFISA where a 1% +VAT fee applies for the IFISA wrapper)
  • See Folk2Folk description for full breakdown of lender fees
  • IFISA available
  • SIPP available

Invest your money

Risk Warning

Investment in bonds, loans, debentures, property, environmental, equity and social through any crowdfunding platform is usually high risk. You could lose all or part of your capital. Please read the risk warning and terms and conditions of each company as they vary from site to site. Please make sure you fully understand the investment before proceeding. Click here for our full risk warning.

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

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