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FOLK2FOLK are a leading peer to peer lending platform specialising in match-making SMEs looking to access finance to grow, develop or diversify with local investors looking to earn a great return on their capital (currently from 4.5% p.a. up to 9% p.a.).

They offer secured business loans to SMEs across the country, helping those who don’t meet the requirements of traditional lenders.

Commercial Loan 

Min loan amount

Estimated Interest Rate
4.5% p.a. - 9% p.a.

Property & Construction Loan 


Min loan amount


Estimated Interest Rate
5% p.a. - 9% p.a.


• Secured business loans from £50,000

• Interest-only loans

• Borrow from 6 months - 5 years

• Rates from 0.38% p.m.

• Loans in weeks not months



• Earn up to 9% p.a. with interest paid monthly

• All loans secured against UK property

• Tax efficient investments possible with our Innovative Finance ISA (IFISA)

• Help local businesses, on a national scale

• We match-make you to a loan that suits your preferences

• There are no fees to enter into a FOLK2FOLK loan

Invest Now Borrow up to £5,000,000



Min investment
Estimated return
Up to 9 p.a.%

This product is IFISA eligible and requires a minimum investment of £20,000 whilst returning up to 9% per annum. Fixed terms are annual commitments ranging from 1 year to 5 years. The Max LTV is 60%.

Lenders have the option of extending their loan for up to 5 years only if the borrower wishes to extend the loan. If the borrower chooses to repay the loan early, lenders will receive 3 months' notice as well as an additional 3 months of interest payments.


The statistics are generated from data we have collected. We can not guarantee that there are no errors, omissions or inaccuracies.

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