OverviewSuggest Edit

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. 

... Show more
HQLondon, GB
Employee Ratings4

Latest Updates

Employees (est.) (Feb 2019)387
Revenue (FY, 2017)£46.5 M(+40%)

Key People/Management at Zopa

Giles Andrews

Giles Andrews

Co-Founder & Chairman
Jaidev Janardana

Jaidev Janardana

Chief Executive Officer & Executive Director
Show more

Zopa Office Locations

Zopa has an office in London
London, GB (HQ)
47-49 Cottons Centre Tooley St
Show all (1)
Report incorrect company information

Zopa Financials and Metrics

Summary Metrics

Founding Date


Zopa total Funding

$189.7 m

Zopa latest funding size

$20.91 m

Time since last funding

3 months ago

Zopa investors

Zopa's latest funding round in November 2018 was reported to be $20.9 m. In total, Zopa has raised $189.7 m
View all funding rounds

Zopa Revenue

Embed Graph
View revenue for all periods
Zopa's revenue was reported to be £46.49 m in FY, 2017

Revenue (FY, 2017)


Gross profit (FY, 2017)


Gross profit margin (FY, 2017), %


Net income (FY, 2017)


EBITDA (FY, 2017)


EBIT (FY, 2017)


Cash (31-Dec-2017)

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



Revenue growth, %


Cost of goods sold


Gross profit

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



Accounts Receivable


Current Assets



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

Net Income


Cash From Operating Activities


Cash From Financing Activities


Net Change in Cash

GBPY, 2017



Financial Leverage

1.8 x
Show all financial metrics

Human Capital Metrics

Embed Graph
Show all human capital metrics
Report incorrect company information

Zopa Online and Social Media Presence

Embed Graph
Report incorrect company information

Zopa News and Updates

Zopa gets banking license

Zopa has received a UK banking license, paving the way for the peer-to-peer lending pioneer to launc...

Zopa tops up funding round for new digital bank

Zopa has topped up its latest funding round, which has closed out at £60 million, giving the peer-to...

Zopa, the U.K. P2P lending company, closes £60M round on path to launching a bank

Obtaining a banking license and then launching an actual new retail bank requires capital. A lot of capital. Enter Zopa, the U.K. peer-to-peer lending company that wants to become a bank, which today is announcing that it has closed £60 million in further funding. Only £16 million is actually new ne…

Peer-to-Peer Lending 2018 Global Market Key Players - Peerform, Funding Circle Limited, Prosper Marketplace, Inc., Zopa Limited, CommonBond Inc., Upstart Network Inc.......wdxefcqufszuzezftuxetqsqxt

Peer-to-Peer Lending – Global Market Growth, Opportunities, Analysis of Top Key Players and Forecast to 2023 Posted via Industry Today. Follow us on Twitter @IndustryToday

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...
Show more
Report incorrect company information

Zopa Company Life and Culture

Report incorrect company information

Zopa Frequently Asked Questions

  • When was Zopa founded?

    Zopa was founded in 2005.

  • Who are Zopa key executives?

    Zopa's key executives are Giles Andrews and Jaidev Janardana.

  • How many employees does Zopa have?

    Zopa has 387 employees.

  • What is Zopa revenue?

    Latest Zopa annual revenue is £46.5 m.

  • What is Zopa revenue per employee?

    Latest Zopa revenue per employee is £120.1 k.

  • Who are Zopa competitors?

    Competitors of Zopa include Prosper Marketplace, MBNA and Discover Financial Services.

  • Where is Zopa headquarters?

    Zopa headquarters is located at 47-49 Cottons Centre Tooley St, London.

  • Where are Zopa offices?

    Zopa has an office in London.

  • How many offices does Zopa have?

    Zopa has 1 office.