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)
225 (est)+8%
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

Gross profit Margin, %


Operating expense total

5.7 m11.4 m19.6 m

Pre tax profit

(2.6 m)(6.1 m)(8.9 m)

Net Income

(2.6 m)(6.1 m)(8.9 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

Total Assets

1.5 m16.3 m15.5 m

Accounts Payable

356.2 k509.7 k603.2 k

Current Liabilities

617.5 k1 m1.9 m

Total Liabilities

632.2 k1 m1.9 m

Retained Earnings

(2.6 m)(6.1 m)(8.9 m)

Total Equity

895.6 k15.2 m13.6 m

Financial Leverage

1.7 x1.1 x1.1 x
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

Zopa Online and Social Media Presence

Zopa News and Updates

Zopa Company Life and Culture

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