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)
248 (est)+3%
Zopa was founded in 2005 and is headquartered in London, GB

Key People at Zopa

Jaidev Janardana

Jaidev Janardana

CEO & Executive Director
Giles Andrews

Giles Andrews

Co-Founder, Executive Chairman
Andrew Lawson

Andrew Lawson

Chief Product Officer
Caroline Mills

Caroline Mills

Operations Director
Ben Edwards

Ben Edwards

Commercial Director
Didier Baclin

Didier Baclin

Head of Bank build
Jonathan Kramer

Jonathan Kramer

Head of Capital Markets

Zopa Office Locations

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

Zopa Data 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 Financial Metrics

Zopa's revenue was reported to be £20.6 m in FY, 2015 which is a 80% increase from the previous period.

Revenue (FY, 2015)

20.6 m

Revenue growth (FY, 2014 - FY, 2015), %


Gross profit (FY, 2015)

10.7 m

Gross profit margin (FY, 2015), %


Net income (FY, 2015)

(8.9 m)

Cash (31-Dec-2015)

13.6 m
GBPFY, 2013FY, 2014FY, 2015


5.4 m11.5 m20.6 m

Revenue growth, %


Cost of goods sold

2.3 m6.2 m9.9 m

Gross profit

3.1 m5.3 m10.7 m
GBPFY, 2013FY, 2014FY, 2015


1 m13.3 m13.6 m

Accounts Receivable

20 k78.9 k

Current Assets

1.2 m15.6 m14.8 m


298 k675.5 k671.2 k
GBPFY, 2014FY, 2015

Cash From Operating Activities

(7.1 m)(5.2 m)

Cash From Financing Activities

19.9 m5.7 m
GBPY, 2015


174.6 k

Financial Leverage

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

Traffic Overview of Zopa

Zopa Online and Social Media Presence

Zopa News and Updates

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 becomes the first of the 'Big 3' peer-to-peer lenders to be authorised by the City watchdog

LONDON — Zopa has become the first of the UK's 'Big 3' peer-to-peer lenders to gain full authorisation from the Financial Conduct Authority (FCA). Zopa announced on Thursday that it has gained full authorisation from the FCA, almost two years after it applied in 2015. CEO Ja…

Zopa is fuelling growth with riskier loans

Online peer-to-peer lending platform Zopa is fuelling growth with riskier loans, according to an analysis by the credit ratings agency Fitch, which expects default rates to rise. Fitch on Thursday released its first-ever rating of a batch of securitized Zopa loans (effective…

Zopa Company Life and Culture

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