What we do is very simple: we put people who want to lend in touch with creditworthy people who want to borrow.
Zopa.com brings together lenders and borrowers by skirting around the middleman. It's a heroic attempt at establishing a market for those who want to borrow and those who want to make money, if indeed, one is willing to make available his SS number and credit report info. Each lender manages his own rates of return, according to his chosen level of market risk and desired profitability.
