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Peer to peer lending » Folk2Folk



Folk2Folk is a peer to peer lending platform specialising in loans secured against UK land and property with a focus on farming and rural businesses. 

With the launch of “The Local Lending Movement,” Folk2folk is on a mission to help build and sustain socially and financially successful rural communities, by creating ecosystems on a local level that facilitate rural business growth on the ground.  They have built relationships with other interested parties such as local authorities, MPs, Chambers of Commerce, Local Enterprise Partnerships, leisure and tourism platforms, charities and banks – with whom they have an increasingly symbiotic relationship.

Lenders can earn up to 9% p.a. interest on the capital they lend with a tax-free IFISA option available.  Lending terms are for 6 – 60 months with a minimum investment of £20,000.

There are three ways the lender can exit from an investment with this platform; wait for the investment to mature to full term; when the borrower chooses to repay their loan; or you may offer your loan for sale on their secondary market “Market Place”

There are no fees to enter into a peer to peer loan.  Fees do apply when exiting an investment early, for example, there is a listing fee of £250 to place a loan for sale on “Market Place” and a Success Fee of 0.5% of the value of the loan being sold payable minus the Listing Fee.

Folk2Folk manages risk by securing loans against UK based land or property, with a loan to value (LTV) maximum of 60%.  They are currently using Market Values for the valuations on new loans. As part of their process, they use external solicitors and valuers to assess the proposed security property and checks are made to confirm these professionals have Professional Indemnity Insurance.

All loans are subject to an internal annual review to ensure the original transaction is on track. They also check for external influences that could undermine the lender's investments such as falling GDP, lowering interest rates, sector stability, and current political environment.

Your investment is not covered by the Financial Services Compensation Scheme.  Although if for any reason Folk2Folk should cease trading it has arrangements in place with a Standby Servicer who would take on Folk2Folk’s administrative and servicing obligations.  The Standby Servicer would manage the collection and payments of all monies while the wind-down takes place.

Folk2Folk Products and Investment

    Invest from £20,000 with fixed interest rate of 4.5% - 9% p.a. paid monthly. Secured against UK land and property. No Lender losses to date* and tax efficient investments possible with their IFISA

    term: 6 - 60 months min. investment: £20,000 return: up to 9.00%*
    * provided on 16/01/2020

Investor Overview

  • Rates from 4.5% - 9% p.a.*
  • Interest paid monthly
  • Secured against land or property
  • Personal service
  • Minimum investment of £20,000
  • Lend from 6 - 60 months

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Go to Folk2Folk


Number One Business Centre, Western Road, Launceston
PL15 7FJ

0333 220 4070

company number

incorporated 9 years

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

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph