Folk2Folk
Regional business lending secured against land and property. Strong focus on rural and agricultural communities.
General Information
Folk2Folk positions itself as the UK's largest P2P business lender by cumulative lending and reports more than £780 million lent since 2013 on its track record page. The platform also reported more than £17 million in interest paid to investors during the 2024/25 tax year and cumulative lending exceeding £772 million as of June 2025.
The platform focuses on regional and rural business lending, with a strong emphasis on communities and local economies. Folk2Folk's model connects investors with SME borrowers, typically secured against land, property, or other tangible assets.
How does it work?
Folk2Folk operates primarily as an SME and business lending platform, with security often linked to land, property, or other assets. Origination is typically broker-led and regionally distributed across the UK, reflecting the platform's community-focused model.
What do they offer?
Folk2Folk offers secured business loans with fixed return characteristics that vary by individual deal. The platform's public materials emphasise performance transparency and the longevity of its track record in the UK P2P lending market.
Returns are generated from interest payments on business loans, with terms and rates varying by individual lending opportunity. The platform's scale and history provide a meaningful body of performance data for investors to assess.
Who is it for?
Folk2Folk is suited to investors wanting asset-secured SME lending exposure rather than property development finance, who can tolerate SME default risk and limited liquidity. The platform's focus on business lending means the risk profile is driven by borrower business performance rather than property development outcomes.
While security is typically provided, SME lending carries inherent risks related to business viability, economic cycles, and the specific circumstances of individual borrowers.
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Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice and should not be considered as such. In particular, it does not constitute personal advice — please consult a qualified financial adviser to address your particular personal requirements. Other is not regulated by the Financial Conduct Authority (FCA), its authors are not financial advisers and it is therefore not authorised to offer financial advice. This article is not intended as an offer, invitation or solicitation for the purchase or sale of any investment, nor is its issuance intended to give rise to any other legal relations whatsoever and must not be relied upon for the purposes of any investment decision. The information contained in this article is subject to updating, revision and amendment.
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