Zopa

Zopa is operated by Zopa Limited, headquatered in the United Kingdom. Zopa is a Balance Sheet Lending platform, which means it acts a bit like an informal bank (or a non-bank credit intermediary) - it originates and actively funds loans, fully or partially, and retains them on their balance sheet.

Zopa makes it possible to provide funding to individuals by investing in personal loans. You can also apply for funding if you are an individual yourself.