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

Updated 2 months ago

To manage queue times, we’ve put a pause on new money coming into the Zopa platform.

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, therefore we have a £1,000 minimum investment amount which allows us to diversify your initial investment across at least that many loans when you get started.

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