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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HQLondon, GB
Size (employees)359 (est)
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

3 months 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)


Gross profit (FY, 2017)


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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

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

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...

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…
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Zopa Company Life and Culture

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