Zopa is a P2P money lending service that allows lenders and borrowers to deal directly with one another, cutting out the banks who act as middlemen. The Company works in the following way: the company first categorizes borrower credit grades with an A*, A, B, C or Y rating; then lenders make offers that vary by money amount and time period for persons with a certain credit grade; and borrowers can then agree the aggregate offered rate. 

Zopa takes on such responsibilities as distributing money between parties, completing the legal paperwork, performing borrower identity/credit checks, and employing a collections agency that chases missed payments for the lender. The Company also mitigates risk for lenders by enforcing monthly direct debit repayment, making borrowers sign a legal contract, and allowing lenders to lend small chunks of money to individual borrowers. Zopa itself makes money by charging a fixed fee for borrowers and 1% annual fee for lenders. 

Company Growth (employees)
London, GB
Size (employees)
290 (est)+4%
Zopa was founded in 2005 and is headquartered in London, GB

Key People/Management at Zopa

Giles Andrews

Giles Andrews

Co-Founder & Chairman
Jaidev Janardana

Jaidev Janardana

Chief Executive Officer & Executive Director

Zopa Office Locations

Zopa has an office in London
London, GB (HQ)
47-49 Tooley St
London, GB
90 Fetter Ln
Show all (2)

Zopa Financials and Metrics

Summary Metrics

Zopa's latest funding round in June 2017 was reported to be $41.2 m. In total, Zopa has raised $111.3 m

Zopa Financials

Zopa's revenue was reported to be £33.2 m in FY, 2016 which is a 61% increase from the previous period.

Revenue (FY, 2016)

33.2 m

Gross profit (FY, 2016)

22.3 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

(5.8 m)

EBITDA (FY, 2016)

(5.2 m)

EBIT (FY, 2016)

(5.9 m)

Cash (31-Dec-2016)

9.8 m
GBPFY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016


523.6 k673 k888.5 k1.7 m2.2 m3 m5.4 m11.5 m20.6 m33.2 m

Revenue growth, %


Cost of goods sold

152.3 k73.2 k157.7 k123.1 k164.4 k211.2 k2.3 m6.2 m9.9 m10.9 m

Gross profit

371.3 k599.8 k730.8 k1.6 m2.1 m2.8 m3.1 m5.3 m10.7 m22.3 m
GBPFY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

(5.7 m)(798.6 k)(334.4 k)(392.3 k)26.2 k32.5 k(2.6 m)(6.1 m)(8.9 m)(5.8 m)

Cash From Operating Activities

(3.7 m)(7.1 m)(5.2 m)(3.2 m)

Cash From Financing Activities

3.1 m19.9 m5.7 m2 m

Net Change in Cash

737.2 k12.3 m228.4 k(3.8 m)
    GBPY, 2016


    218.9 k

    Financial Leverage

    1.4 x
    Show all financial metrics
    Zopa's employees are reported to be approximately 32% female and 68% male.
    Show all human capital metrics

    Zopa's Web-traffic and Trends

    Zopa Online and Social Media Presence

    Zopa News and Updates

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    Zopa's searching for new borrowers through this building society

    Zopa is partnering with a building society to offer its loans as it seeks to add more borrowers to the platform. The online peer-to-peer lender will provide loans at 11 bricks-and-mortar branches of Saffron Building Society across Hertfordshire, Essex and Suffolk, as well as online. "The partn…

    Bessemer names Birnbaum, Karp and Shen to partner

    Bessemer Venture Partners named Charles Birnbaum, Amit Karp and Kristina Shen to partner, according to a press release.

    Zopa just got full approval as a P2P lender from the FCA

    Zopa has become the UK's biggest peer-to-peer lender (P2P) to date to be granted full approval by the City watchdog. The Financial Conduct Authority (FCA) has given the firm the green light after two years of waiting, paving the way for Zopa to launch an Innovative Finance Isa (Ifisa) Read mor…

    Zopa Company Life and Culture

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