Provider profile
FOLK2FOLK
UK peer-to-peer lending · Mixed portfolios · IFISA available
2
Products covered
Peer-to-peer lending
Innovative Finance ISA
Overview
About FOLK2FOLK
Editorial summary — not an endorsement.
FOLK2FOLK is listed on WiT Money as a UK peer-to-peer lending platform. Loan types recorded: Business loans; property-backed business lending. Minimum investment £20,000. An Innovative Finance ISA (IFISA) is recorded as available. The ISA wrapper does not remove investment risk. Target return recorded: Rate is loan-specific / opportunity-specific. Target returns are not guaranteed. Conditional sale via secondary market; buyer required. Investor fees: No standard platform fee · £250 one-off listing fee whether or not investment sells. Typical term recorded: 6–60 months. Your capital is at risk, and you may not be able to access your money when you want. Ordinary losses on P2P loans are generally not covered by the FSCS. Property-backed lending to UK businesses. Secondary-market access is not guaranteed. Details last verified 2026-08-10.
FOLK2FOLK is recorded as FCA authorised. The Innovative Finance ISA dataset records FRN 720867. Last checked in the WiT Money dataset on 2026-08-10. Confirm current permissions on the Financial Services Register before you invest.
Products offered
What FOLK2FOLK offers
Key product areas we track on WiT Money — rates and availability change.
Peer-to-peer lending
Peer-to-peer lending
FOLK2FOLK: Business loans; property-backed business lending. Minimum investment £20,000. IFISA available. No standard platform fee · £250 one-off listing fee whether or not investment sells. Conditional sale via secondary market; buyer required. Capital is at risk.
Mixed portfolios · Deal-specific target, not guaranteed · Min £20,000
Compare in categoryInnovative Finance ISA
Innovative Finance ISA
FOLK2FOLK IFISA: Property-secured peer-to-business lending. £20,000 minimum investment; ISA transfers accepted, generally in £5,000 multiples. ISA transfers in are recorded as accepted. Recorded transfer types: Cash ISA, Stocks & Shares ISA, IFISA. ISA manager: FOLK2FOLK / associated ISA manager arrangement. Typical current business-loan income stated around 8.50% p.a.; loan-specific and not guaranteed. Investor fee: No fee to invest. Secondary-market exit is conditional on finding another investor. The ISA wrapper does not remove investment risk. Capital is at risk.
£20,000 · 8.5% target, not guaranteed · ISA transfers in
Compare in categoryAt a glance
Pros and cons
Recorded product facts for FOLK2FOLK. Terms, eligibility and pricing can change.
Pros
- Business loans; property-backed business lending
- Minimum investment £20,000
- Recorded target return: Rate is loan-specific / opportunity-specific Not guaranteed.
- Manual loan selection available
- IFISA available
Cons
- Target returns are not guaranteed
- Capital is at risk
- Early access depends on available liquidity
- Recovery / default costs may apply
- Ordinary P2P investment losses are generally not FSCS-protected
Compare
Comparison links
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Compare peer-to-peer lending
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Open comparisonInnovative Finance ISA
Read how an IFISA wrapper works. It does not remove investment risk.
Open comparisonFAQ
Frequently asked questions about FOLK2FOLK
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