Research: the first ever open data analysis of the peer-to-peer lending market

Our report, Show me the Money provides the most comprehensive snapshot to date of the UK peer-to-peer lending (P2P) market. Using data from the three biggest P2P platforms in the UK (Zopa, RateSetter and Funding Circle) we highlight the regional geography of lending in the UK. This is the first time anyone has published financial data with an open data certificate.

Regions in the South lend more but the UK is surprisingly balanced when it comes to recipients.

Key differences in UK regional activity from the report include:

• Scotland, the North East and the North West have similar statistics for pounds received per person.
• There is substantially more lending in London and the South of the UK but recipients are evenly distributed across the country.
• Four regions invest more than they receive. All four - London, South East, South West and the East of England - are in the South of the UK.
• The range of lending per person ranges from £1.40 to £11.80 between UK regions, whereas the range for recipients only varies between £3.90 and £7.30 per person.