FOLK2FOLK specialises in property-secured lending for business owners across the rural and regional parts of the UK.

It matches businesses looking for capital with individual (retail) and institutional investors who receive a fixed interest rate from 8.75% p.a.

[4] Since 2013, three quarters of a billion[5] has been invested via the platform with zero investor capital losses to date.

[6] FOLK2FOLK's Managing Director, Roy Warren, appointed in September 2019[7] was previously the company's Head of Risk & Loan Portfolio for four years.

FOLK2FOLK was founded in 2013 in Cornwall when the nation was still reeling from the global financial crisis, banks were withdrawing from many rural areas, funding for businesses was drying up, and savers were receiving rock-bottom levels of interest.

In August 2015, the firm introduced funding to kick start a mixed-use development project that will help facilitate infrastructure for Cornwall's 6,000-seat sports stadium.

[23] In the same month, it announced the appointment of Stifel, a global wealth management and investment banking firm, as its financial adviser.

[24] In January, 2016, the company announced the creation of a 'legal panel' to support its national roll-out strategy.

[29] In July 2020, FOLK2FOLK was accredited by the British Business Bank to deliver CBILS loans.