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

Business owners are normally spending too much time seeking business finance when most of their time is already caught up by finding financial and business opportunities.

This is not the case with Zopa as they are here to provide the best business loans in the UK.

Business loans you can count on

All businesses are looking for a trusted lender to gain access to small business loans or business finance options. Zopa has funded more than 80,000 business owners over the past 10 years with business loans to the value of £577 million. With small business loans or other business finance options from Zopa, you can get your business started and grow with the right business loan suited for you.

Zopa believes in empowering businesses

They will help you to take the next step and make your business dreams a reality when you are ready. You can discover how easy it is to apply for a small business loan or to find other business finance support to start your business and make it a success. With Zopa, it’s easy, fast, safe, and straightforward to access the best business loan in the UK.

Zopa Services

Get the capital to grow your business with the best business loans in the UK to cover expenses like advertising, buying inventory, or cover other business costs.

They offer full-service arrangements for small business loans and medium-sized business loans to fit your business needs with their full end-to-end business finance options.

Business loans for individuals

Zopa provides business loans to individuals with amounts starting from £1,000 and £25,000. Business loans at a fixed interest rate for loan terms from 12 months to 5 years will give you equal monthly repayments over your business loan term. This helps business owners to plan and budget better for their finances and take the strain out of unforeseen amounts that are normally accompanied by business loans.

Zopa your personal lender for business loans  

What sets Zopa apart from most lenders is the fact that they are direct lenders. So, they can offer business loans for longer periods at considerably lower monthly installments combined with better interest rates. This allows their customers to have a higher success rate when applying for a business loan.

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 quick loans calculator is subject to our terms of use.

With Zopa you can get reliable and affordable business loans

You can’t ask for an easier way to access business finance.

With Zopa, the complete process is online with no unnecessary paperwork to take home and complete with chances of entering the wrong information. Zopa’s online peer-to-peer lending platform makes applications faster with no high charges or red tape that are the norm with most other companies.

Zopa Loans lending criteria

  • You have to be a sole trader.
  • Older than 20 years of age.
  • Provide trading history not shorter than 2 years.

You can use their online loan amount application to select your loan amount and your loan term. This will provide an estimate of what your business loan amount and cost could be. The great part is that the quotation won’t affect your credit score.

Business loan application steps

Step 1

Select the desired loan amount from £1000 to £25,000 and choose the payback term from 1 to 5 years.

Step 2

Submit with the Get my personalized rates button and select the reason for your loan from a list.

Step 3

Fill in the needed personal information as well as the needed financial details in the required fields.

Step 4

Finish the quotation process and receive your free quote. When you approve the returned quotation, you can fill in the application form. Once they have received your application, they will give you feedback with their decision for your business loan within 2 days

Benefits of a Zopa business loan

  • Fast no fuss online application.
  • You will be borrowing from Zopa directly with their peer-to-peer lending system.
  • No unnecessary complicated paperwork.
  • They guarantee to assist you with your loan application and provide a full understanding of how their loan methods work.
  • No early repayment fees or penalties. This will give you the freedom and flexibility to repay your business loan that suits your business the best.

Business loan to keep your business going

From time to time, every small business needs temporary relief from untimely expenses to keep them afloat. Let Zopa help you to get cash fast.

What sets Zopa apart with their business loans is the fact they use the same principles as with a personal loan. This means they can assist more businesses with a personalized loan according to your business needs. Take the first step towards success and apply with Zopa to start your business loan application and receive the business finance solution your business needs.

man holding thumbs up

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 UK: FSA 800542

Customer Reviews & Testimonials

October 2021

Being able to grow my business is one of the best feelings in the world, they gave me the business loan that I needed.

Johnny S
— London —

October 2021

Other banks turned down my loan applications, Zopa gave me a chance with a small business loan that helped me to buy the necessary inventory for my business.

Heather C
— York —

July 2021

Truly the fastest application process for a business loan from Zopa, with good APR and I like the payback terms with no penalties.

Carl C
— Leicester —

Zopa Contact

Physical Address

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

Opening Hours

  • not available