How did you define the minimum lending for Zopa Core and Zopa Plus?

Updated 4 months ago

We've set a minimum lending limit to make sure that only a small proportion of your money is lent to a single borrower. This was determined by simulating different scenarios for borrower defaults against our current loan book. We found that a lender should have at least 100 microloans to maximize the chance of earning positive returns. Our smallest microloan size for new investments is £10, so for Core or Plus we need at least £1,000 to achieve this.

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