Lyne Barlow, 39, previously of Stanley in County Durham, has been charged with 18 counts of fraud relating to loans, investments and holiday sales.
Durham Constabulary said Barlow also faced a further charge of money laundering, totalling more than £1.6 million.
Barlow, who was arrested in September 2020, will appear at Newton Aycliffe Magistrates’ Court on Monday 5 September.
Her business is no longer operational, said the force, with its social media presence taken down shortly after her arrest.
Durham Constabulary added several hundred alleged victims had come forward during its investigation.
