Folk2Folk is reporting that investors earned £17.32 million in interest payments for the tax year of 2024/2025. The company states that it is the largest peer-to-peer lender in the UK, based on total lending. The interest generated in the past year is the most since the platform’s inception in 2013, with over £772 million in cumulative loans.
According to the company, its fixed-rate investments are currently generating a return of 8.5%. All loans are secured by UK property with a typical maximum loan-to-value (LTV) of 60%. The loans are available to both individuals and institutions.
Recently, Folk2Folk reported fiscal year 2024 revenue of £5.92 million and a pre-tax profit of £1.84 million. This is the company’s sixth year of profitability.
Roy Warren, Managing Director of Folk2Folk, stated that during a year marked by inflation challenges and a choppy stock market, investors were able to earn a steady monthly rate of return.
“But crucially, their investment isn’t just working for them, it’s enabling small businesses across regional UK to start, grow, and diversify. It’s finance doing what it should by delivering value to both sides of the exchange,” said Warren.