Zopa is the marketplace where people meet to lend and borrow money. What we do is very simple: we put people who want to lend in touch with creditworthy people who want to borrow, so both parties can get a great deal.
Zopa is a term taken from business theory. It stands for Zone of Possible Agreement and is the overlap between one person’s bottom line (the lowest they’re prepared to get for something) and another person’s top line (the most they’re prepared to give for something). It’s the way people negotiate all sorts of stuff – buying a car, getting a mortgage – even a teenager negotiating with parents about staying out late. If there’s no Zopa, there’s no deal.
Would you lend cash to a stranger?
Person-to-person lending: High return, but risky?
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