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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.

  • 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.

* correct as of 02/01/2018

Borrow up to £5,000,000 Visit



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Folk2folk offers simple, straightforward, local lending and borrowing. They organise the secured lending of money between local folk without the involvement of City institutions. Loans secured against property.


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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