Rating based on 29 reviews



  • Business loans up to £25,000
  • Low-interest starting from 7.9%
  • Repayment up to 5 years

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Zopa homepage

Author Zopa. Screenshot of Zopa website. [Accessed March 22, 2020]

About Zopa

From seeking financial opportunities, hard-working businesses are spending too much time navigating the bureaucracy of mainstream lenders and Zopa is here to change that.

We are all looking for a trusted leader for access to small business loans & business funding options. We’ve served small businesses for over 10 years while we have lent more than £577 million to over 80,000 borrowers.

Working capital to help you keep going

At one time or another, almost every small business needs temporary relief from untimely expenses, so let us help your business get cash fast. We look forward to getting started in helping your business grow. Through small business loans or other business funding options, we will find the right loan.

We believe in you!

If you believe in your business and in yourself, we’ll help you take that next step to realize your goals and making your dreams happen. Discover the simplicity behind applying for small business loans and other business funding options and get started on your success story today.

Apply online and save time and money

Apply for a loan online for your convenience and feel relieved knowing upfront how much your business may be able to access and how much it will cost you long term. Get funded fast, efficiently and get great results!

Zopa Services

Get the capital your business needs to grow, publicize, purchase inventory or pay costs.

We have a variety of personal loan products that fit the needs of little and medium-sized businesses. Zopa business loans offer full-service arrangements with full end-to-end financing.

We're a simple, online peer-to-peer lending platform

Even better than what was already great, we do it without measuring you down with paperwork. Dissimilar to banks that send you home with a stack of complicated paperwork to peruse over and complete, we work through our condensed process alongside you to guarantee that you have a full understanding of our loan methods.

  • Apply for a loan online, and get access to these great benefits:
  • Get a quote, no effect on your credit score
  • Borrow between £1,000 and £25,000
  • Business loans accessible in excess of 2-5 years
  • Repay your Zopa loan right on time whenever with no fees or punishments
  • Voted most trusted loan supplier

Who can get a Zopa business loan

  • You must be a sole trader
  • Aged 20 or over
  • You must have no less than 2 years of trading history

We strive to make the methodology as straightforward as could be expected under the circumstances for our clients; it is this straightforwardness and commitment that sets us apart from other lenders. Access the working capital you need to keep your business growing!

Zopa – Business loan

  • Loan Type Business loans
  • Interest Rate from 7.9%
  • Loan Amount up to £25,000
  • Repayment 2 years to 5 years

Benefits of Zopa

  • Apply for a loan online
  • Get a quick quote
  • Repay your loan with no fees

Business loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

With Zopa you can get reliable and affordable business loans

As a personal lender, Zopa business loans can offer longer terms than consider lower instalments and better progressive rates for more successful financing.

Zopa is the UK’s leading peer-to-peer lending platform that provides individuals with short to medium term personal loans at rates that are unmatched by traditional banks and other mainstream lenders. Although Zopa is in the business of specifically providing personal loans, we also offer personal loans that can be used for business purposes or otherwise known as small business loans. If you have a good credit history and can demonstrate your ability to make the loan repayments, we can help you get the business loan you need.

Zopa business loan details

Zopa offers business loans to individuals of between £1,000 and £25,000. Loan terms vary between 12 months and 5 years at a fixed interest rate, which means that you will make equal monthly repayments over the entire loan term. This is specifically convenient for business owners as this ensures budgeting and planning are more accurate.

We don’t charge any early repayment fees and this means that you have the freedom and flexibility to repay the short term loan at a pace that suits you and your business. Our loans carry a Representative Annual Percentage Rate (APR) of 7.9% and loans are generally unsecured which means that you will have to provide a personal guarantee.

Why choose Zopa for your business loan

Since Zopa is an online, peer-to-peer lending platform, we do away with the high charges and red tape that’s become the norm in mainstream lending. Since the business loan is, in essence, a short term personal loan, start-up businesses and even existing businesses that don’t have a good track record can access the funding they need.

If you're looking for a business loan, simply complete our online application form and specify this when prompted to do so.

Zopa business loan application process

Since Zopa is an online peer-to-peer lender, the entire application process must be completed online. The first step is to enter your desired business loan amount and loan term to get an idea of what our rates are and what your monthly repayments will be. You will then fill out our simple quotation form where you will specify that you're looking for a business loan and we will provide you with a quotation after running a “soft” credit check on you. Once you approve the quotation you can then proceed to fill out the application form for your business loan. Once we’ve received your application we will get back to you with a decision within 2 business days!

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Zopa is a trusted & reliable provider of business loans

In our review, Zopa adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Zopa is a registered credit provider in the UK; FCA number 800542

Customer Reviews & Testimonials

May 2019

Zopa afforded me an amazing opportunity of starting afresh as far as my financial status was concerned

Charlie N
— London —

March 2019

Thanks to Zopa, I got my loan application approved just on time to attend to my financial emergency.

Hunter S
— Bristol —

Zopa Contact

Physical Address

  • 6th Floor, 90 Fetter Lane London Greater London EC4A 1EN United Kingdom
  • Get Directions

Opening Hours

  • not available