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)
332 (est)+2%
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

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

Zopa's latest funding round in June 2017 was reported to be $41.2 m. In total, Zopa has raised $111.3 m
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Zopa Financials

Zopa's revenue was reported to be £33.22 m in FY, 2016

Revenue (FY, 2016)

33.2 m

Gross profit (FY, 2016)

22.3 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

(5.8 m)

EBITDA (FY, 2016)

(5.2 m)

EBIT (FY, 2016)

(5.9 m)

Cash (31-Dec-2016)

9.8 m
GBPFY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016


523.6 k673 k888.5 k1.7 m2.2 m3 m5.4 m11.5 m20.6 m33.2 m

Revenue growth, %


Cost of goods sold

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

Gross profit

371.3 k599.8 k730.8 k1.6 m2.1 m2.8 m3.1 m5.3 m10.7 m22.3 m
GBPFY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016


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

Accounts Receivable

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

Current Assets

1.5 m1.2 m1 m726.3 k754.9 k4.3 m1.2 m15.6 m14.8 m13.3 m


40.7 k57.1 k64 k59.8 k53.8 k32.4 k298 k675.5 k671.2 k1.4 m
GBPFY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

(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)

Cash From Operating Activities

(3.7 m)(7.1 m)(5.2 m)(3.2 m)

Cash From Financing Activities

3.1 m19.9 m5.7 m2 m

Net Change in Cash

737.2 k12.3 m228.4 k(3.8 m)
GBPY, 2016


218.9 k

Financial Leverage

1.4 x
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Zopa Online and Social Media Presence

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Zopa News and Updates

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

P2P Lending Global Market 2017: Key Players – Lending Club, Prosper, Zopa, Auxmoney, Aqush

P2P Lending -Market Demand, Growth, Opportunities and Analysis Of Top Key Player Forecast To 2022 Posted via Industry Today. Follow us on Twitter @IndustryToday

Zopa's searching for new borrowers through this building society

Zopa is partnering with a building society to offer its loans as it seeks to add more borrowers to the platform. The online peer-to-peer lender will provide loans at 11 bricks-and-mortar branches of Saffron Building Society across Hertfordshire, Essex and Suffolk, as well as online. "The partn…

Bessemer names Birnbaum, Karp and Shen to partner

Bessemer Venture Partners named Charles Birnbaum, Amit Karp and Kristina Shen to partner, according to a press release.
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