Folk2Folk – Local Secured Lending


Folk2Folk offers simple, straightforward, local lending and borrowing. Folk2Folk is not a Bank, Brokerage, seller of financial products, Deposit Taker, Fund Manager, or Adviser to any party. Folk2Folk organises the secured lending of money between local folk without the involvement of City institutions.

Folk2Folk – An Introduction To Business Loans

A Summary Of Folk2Folk

Born Out Of Community Need

Folk2Folk was created to fill a local funding gap at a time when banks were retreating from small business and when local investors were frustrated with poor returns.

Built on traditional values

Folk2Folk is built from strong community values.  Local knowledge and local understanding fuels the business.  Folk2Folk takes an holistic approach when approving its Borrowers and Lenders, placing great importance on understanding the full picture of the person.

Backed By A Long History Of Lending

Launched in 2013, but with a long lending heritage, Folk2Folk was born out of a law firm, Parnalls of Launceston, and can trace its lending roots back over 100 years.

Ensuring A Fair Deal For All

Folk2Folk’s purpose is to provide a fair deal for all, but specifically a fair exchange of money between Lenders and Borrowers.

Folk2Folk Funds A Wide Range Of Businesses And Projects

Folk2Folk has organised funding to Borrowers for renewable energy, house building, leisure facilities and land and property acquisition, amongst other things.


Folk2Folk Facts

  • Folk2Folk is authorised and regulated by the Financial Conduct Authority (FRN 720867).
  • Folk2Folk is one of the UK’s largest peer-to-peer lenders to business (source: (Liberum AltFi volume Index).
  • Folk2Folk is one of the world’s only peer-to-peer lenders with a high street presence.
  • Folk2Folk has introduced finance for business initiatives ranging from purchasing Golf Clubs, kick-starting multi-million pound property developments, and renovating leisure complexes and barn conversions.
  • Folk2Folk was born out of a long established firm of Solicitors and is proud of its legal heritage.
  • Folk2Folk introduced £50m into the South West economy in its first two years of trading.

Discover More About Folk2Folk

Visit the Folk2Folk website for full details.

Lend On Folk2Folk With Evolution SIPP or SSAS

SIPPclub members have exclusive access to Evolution SIPP and SSAS.  Click the link to read more about Evolution.

SIPP And SSAS Lending On Folk2Folk

To discover whether lending your SIPP or SSAS money on Folk2Folk is appropriate for your circumstances, please complete the form below.

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Crowdfunding And Peer-To-Peer Risk Warning

When a platform has been assessed and approved by a SIPP or SSAS operator, this does not imply that any loan or investment opportunity is endorsed in any way. A SIPP or SSAS operator's due diligence review is limited to ensuring the processes and procedures of the platform are in line with both FCA and HMRC principles.  It's entirely your responsibility for carrying out your own due diligence on any loan or investment opportunity before agreeing to lend or invest your pension money on a platform. As a SIPP or SSAS operator will continually review platforms from a regulatory perspective, it's possible for a platform to become 'unapproved' if something changes.

With peer-to-peer lending, your capital is at risk if you lend to individuals and businesses.  You may lose some or all of the capital lent if the borrower defaults and is unable to meet its liabilities. Historic loan default rates are not necessarily indicative of future default rates.  In addition, lending is an illiquid investment, which means you may not be able to access the capital you lend for the duration of the loan period, even if the platform offers a secondary market.  Investing in any business involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should be done only as part of a diversified portfolio. Crowdfunding is generally targeted at investors who are sufficiently sophisticated to understand the risks and make their own investment decisions, based on their knowledge, experience and financial capacity. Neither crowdfunding nor peer-to-peer lending is covered by the Financial Services Compensation Scheme. The tax treatment of your investment is dependent on your individual circumstances and may be subject to change in the future. If you are unsure about the suitability of crowdfunding investment or peer-to-peer lending, you should consult a suitably qualified independent financial adviser.


As SIPPclub neither advises on, nor arranges, nor recommends specific investments or strategies, we're unable to say whether a SIPP or SSAS or any investment within it is right for you. Ultimately, it’s your money and your decision, and you should only proceed once you're satisfied you've undertaken sufficient due diligence. If you need advice, you should speak to your trusted adviser, or you could find a local adviser from  Alternatively, we'd be pleased to introduce to a suitably qualified independent financial adviser.

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