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. 

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London, GB
Size (employees)
352 (est)+3%
Zopa was founded in 2005 and is headquartered in London, GB
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Key People/Management at Zopa

Giles Andrews

Giles Andrews

Co-Founder & Chairman
Jaidev Janardana

Jaidev Janardana

Chief Executive Officer & Executive Director
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Zopa Office Locations

Zopa has an office in London
London, GB (HQ)
47-49 Tooley St
London, GB
90 Fetter Ln
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Zopa Financials and Metrics

Summary Metrics

Founding Date


Zopa total Funding

$168.8 m

Zopa latest funding size

$57.47 m

Time since last funding

14 days ago

Zopa investors

Zopa's latest funding round in August 2018 was reported to be $57.5 m. In total, Zopa has raised $168.8 m
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Zopa Revenue

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Zopa's revenue was reported to be £46.49 m in FY, 2017

Revenue (FY, 2017)

46.5 m

Gross profit (FY, 2017)

36.2 m

Gross profit margin (FY, 2017), %


Net income (FY, 2017)

1.5 m

EBITDA (FY, 2017)

1.7 m

EBIT (FY, 2017)

95.9 k

Cash (31-Dec-2017)

7.9 m
GBPFY, 2005FY, 2006FY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017


805 49.6 k523.6 k673 k888.5 k1.7 m2.2 m3 m5.4 m11.5 m20.6 m33.2 m46.5 m

Revenue growth, %


Cost of goods sold

165.3 k197.7 k152.3 k73.2 k157.7 k123.1 k164.4 k211.2 k2.3 m6.2 m9.9 m10.9 m10.3 m

Gross profit

(164.5 k)(148.1 k)371.3 k599.8 k730.8 k1.6 m2.1 m2.8 m3.1 m5.3 m10.7 m22.3 m36.2 m
GBPFY, 2005FY, 2006FY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017


2.3 m1.3 m773 k669.7 k902.9 k536.3 k520.5 k4.2 m1 m13.3 m13.6 m9.8 m7.9 m

Accounts Receivable

48.7 k156.5 k9.1 k20 k429.7 k533.6 k884.2 k

Current Assets

3.7 m3.9 m1.5 m1.2 m1 m726.3 k754.9 k4.3 m1.2 m15.6 m14.8 m13.3 m18 m


37.8 k40.8 k40.7 k57.1 k64 k59.8 k53.8 k32.4 k298 k675.5 k671.2 k1.4 m1.6 m
GBPFY, 2005FY, 2006FY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

(2.7 m)(3.8 m)(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)1.5 m

Cash From Operating Activities

3.7 m(4.9 m)(3.7 m)(7.1 m)(5.2 m)(3.2 m)2.3 m

Cash From Financing Activities

6 m3.9 m3.1 m19.9 m5.7 m2 m

Net Change in Cash

190 k(154.1 k)737.2 k12.3 m228.4 k(3.8 m)(1.9 m)
GBPY, 2017


209.9 k

Financial Leverage

1.8 x
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Human Capital Metrics

Zopa's employees are reported to be approximately 32% female and 68% male.
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Zopa Online and Social Media Presence

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Zopa News and Updates

Zopa raises £44m to build 'next generation' bank

Peer-to-peer lender Zopa has raised £44m - its largest sum so far - to help fund the "next generation bank" it has been building. The firm, which matches borrowers with people looking to invest, aims to build a set of products that "customers can feel good about", with no catches on rates or char…

Zopa raises £44 million to support digital bank launch

Peer-to-peer lender Zopa has scooped £44 million in funding as it lays the groundwork for the launch...

P2P lender Zopa back in the black

Peer-to-peer lender Zopa is back in the black as the firm's profit after tax for 2017 hit £1.5m. The financial firm, which matches borrowers with people looking to invest, reported a revenue increase of 40 per cent to £46.5m in its annual report for last year. The amount of money paid out by the …

Peer-to-peer lender Zopa reportedly in talks for new £50m fundraising

Peer-to-peer lender Zopa is in talks with investors over a fresh round of fundraising, with the fintech firm today announcing a shake-up of its structure in preparation for launching a new banking arm. Zopa is looking to raise around £50m and could value the firm at up to £400m, according to Sky …

Rothschild-backed fintech fund Augmentum aims to raise £100m in float

Augmentum Fintech, a Rothschild-backed fund investing in financial technology, today announced it will try to raise £100m in an initial public offering (IPO) on the London Stock Exchange's main market. If the IPO proceeds successfully Augmentum will buy a seed portfolio it values at £33.3m, inclu…

P2P Lending Global Market Key Players – Lending Club, Prosper, Zopa, Auxmoney, Popfunding, Kiva Analysis and Forecast to 2022

Wiseguyreports.Com Adds “P2P Lending Market 2018 Global Analysis, Growth, Trends and Opportunities Research Report Forecasting to 2023” Posted via Industry Today. Follow us on Twitter @IndustryToday
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Zopa Company Life and Culture

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