This article is a part of a series on P2P Lending:

1. P2P Lending Overview

2. P2P Borrowers

3. P2P Lenders

4. P2P Lender Profile: Prosper

5. P2P Lender Profile: Zopa


Zopa is a business acronym for Zone of Possible Agreement. It's the overlap between a seller's lowest price and a buyer's highest bid. If a ZOPA exists, the buyer and seller have a deal.

Zopa bills itself as the first P2P lender. The company is two years old and based in Britain. Zopa has 135,000 members. Its community features include a blog and discussion board.

Zopa charges borrowers a fee of 0.5% of their loan amount and lenders a 0.5% annual service fee.

Zopa recently raised $12.9 million, which will be used to expand marketing and for a U.S. launch. Its founders come from the Internet bank Egg. Zopa investors include Bessemer Venture Partners, Benchmark Capital, Wellington Partners, Tim Draper, and The Rowland family.