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Europe Alternative Lending Market Size & Forecast by Value and Volume Across 100+ KPIs by Type of Lending, End-User Segments, Loan Purpose, Finance Models, Distribution Channels, and Payment Instruments - Databook Q4 2025 Update- Product Image
Europe Alternative Lending Market Size & Forecast by Value and Volume Across 100+ KPIs by Type of Lending, End-User Segments, Loan Purpose, Finance Models, Distribution Channels, and Payment Instruments - Databook Q4 2025 Update- Product Image
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Europe Alternative Lending Market Size & Forecast by Value and Volume Across 100+ KPIs by Type of Lending, End-User Segments, Loan Purpose, Finance Models, Distribution Channels, and Payment Instruments - Databook Q4 2025 Update

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    Report

  • 3400 Pages
  • November 2025
  • Region: Europe
  • PayNXT360
  • ID: 5899882
Description Jump to:
According to the analyst, the alternative lending market in Europe is expected to grow by 14.1% annually, reaching US$133.0 billion by 2025.

The alternative lending market in the region has experienced robust growth during 2020-2024, achieving a CAGR of 15.0%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 13.6% from 2025 to 2029. By the end of 2029, the alternative lending market is projected to expand from its 2024 value of US$116.6 billion to approximately US$221.4 billion.

Key Trends and Drivers

Europe’s alternative lending transformation is accelerating on multiple fronts. BNPL and instalment credit continue to capture share in retail, but are increasingly shaped by regulatory pressure and risk discipline. Meanwhile, smarter underwriting via alternative data, and the embedding of credit into platform ecosystems, are shifting how and where credit is originated. The winners will be those who combine product innovation, regulatory alignment, underwriting sophistication, and platform integration. Growth will continue but the frontier will shift from who can lend most to who can lend best in context.

1. BNPL & Instalment Credit Deepen Penetration in European Markets
In Europe, Buy Now, Pay Later (BNPL) and instalment credit are becoming core parts of the consumer payments and credit experience. The European BNPL market is projected to grow by ~12.4% annually into 2025, reaching a size of ~US$191.3 billion. Many leading e commerce platforms now offer instalment options at checkout, and offline merchants are increasingly integrating instalment and split-payment capabilities.

Key Growth Drivers and Ecosystem Enablers:

  • High e-commerce adoption across Europe gives a natural channel for BNPL and instalment offers to be embedded into purchase flows.
  • Consumers, especially younger cohorts, prefer flexibility and may avoid revolving credit, making instalments attractive.
  • Payment and fintech infrastructure (APIs, payment rails, merchant integration) is mature, reducing distribution friction.
  • BNPL providers are increasing reach via partnerships with major platforms and retailers, expanding both online and offline.
BNPL and instalment credit will continue to expand but will likely evolve in terms of risk discipline, product structure, and regulatory alignment. Over the next few years, providers may shift toward longer-term instalments, hybrid models combining revolving features, or subscription-linked credit. Margins may compress for those offering “light-touch” BNPL, pushing more providers to refine underwriting standards and integrate closely with merchant data. Regulatory pressure will increase transparency, default checks, and consumer protection measures, creating headwinds for players unable to comply.

2. Regulatory Push & Consumer Protection Elevate Compliance Requirements
Europe is seeing regulatory tightening in alternative credit, especially BNPL, driven by consumer protection imperatives. The EU’s updated Consumer Credit Directive (CCD II) mandates that BNPL providers perform creditworthiness checks and adhere to stricter lending standards. In markets like the UK, regulators are proposing affordability checks even for small BNPL loans.

Key Growth Drivers and Ecosystem Enablers:

  • Growth in BNPL means more households engage in instalment credit, increasing concern over over-indebtedness.
  • Regulators and consumer agencies are calling for stronger guardrails disclosure, eligibility checks, fairness.
  • Harmonization across EU markets (via CCD II) pushes providers to adopt consistent, auditable practices rather than fragmented models.
Regulation will act as a moderating force on growth some aggressive, loosely underwritten BNPL models may retract or rationalize. Providers will need to embed compliance-by-design: built-in checks, disclosures, auditability, and fallback mechanisms. Those with robust risk engineering and regulatory alignment will gain competitive advantage, while others may struggle under compliance burdens.

3. Alternative Data & AI Models Supplement Credit Decisioning
European lenders and fintechs are integrating alternative data and machine learning to improve underwriting, score marginal borrowers, and refine pricing. The push toward “smarter credit” is becoming more visible, especially in markets where credit bureaus are strong but not fully inclusive.

Key Growth Drivers and Ecosystem Enablers:

  • Traditional credit bureau data may be insufficient or incomplete for segments (young, new-to-credit, digital natives).
  • The prevalence of digital platforms, mobile usage, and transactional footprints yields behavioral signals that can enrich risk models.
  • AI / ML tools allow extraction of latent features and dynamic risk adjustments.
  • Competitive differentiation: providers that can approve more applicants without excessive default risk gain market share.
Over the forecasted period, use of alternative data and AI will become more standardized. Hybrid models blending bureau and behavioral data will emerge. Regulators may begin demanding model explainability, bias mitigation, and audit trails, pushing better-governed credit models upward. Providers with data partnerships (with platforms, utilities, telcos) will gain an edge in reach and precision.

4. Embedded Credit & Platform Integration Expand Beyond Retail
Credit origination in Europe is shifting from standalone lending apps to embedded models within nonfinancial platforms: retail, mobility, utilities, subscription services, SaaS. Credit is increasingly a contextual service rather than a separate product.

Key Growth Drivers and Ecosystem Enablers:

  • Platforms hold rich user data (behavior, transaction, engagement) and can surface credit where and when needed.
  • Consumers expect seamless experiences if credit is available in-app, they are more likely to use it.
  • Fintechs seek partnerships with platforms to scale without acquiring customers independently.
  • Infrastructure (APIs, credit-as-a-service models) enables credit embedding with less development burden.
Embedded credit will become a default path for many digital commerce flows. Standalone lenders may pivot to being credit infrastructure providers or behind-the-scenes underwriters. The competitive edge will lie with those who own the consumer journey, integrate credit smoothly, and manage partner risk. Over time, many consumers may no longer “apply” for credit they will simply receive it when they transact.

Competitive Landscape: Europe Alternative Lending

Europe’s alternative lending ecosystem is maturing, led by scaled BNPL and credit platforms but also shaped by niche SME lenders and embedded finance models. The competitive edge has shifted from broad market entry to executional precision in underwriting, regulatory compliance, capital efficiency, and platform integration.

While large fintechs and digital banks dominate volume, specialist providers thrive in verticals like B2B lending and instalments for high-ticket retail. Due to Europe’s stringent consumer protection rules and licensing regimes, many players adopt selective geographic or partner-led strategies rather than scaling direct-to-consumer.

Over the forecast period, leadership will consolidate around firms that combine scale, compliant infrastructure, efficient funding, and deep merchant or platform embedment making them integral to Europe’s evolving credit delivery architecture.

Key Players & New Entrants:

  • Klarna remains a frontrunner in Europe’s BNPL space, leveraging scale, merchant reach, and brand strength.
  • Afterpay / Riverty and PayPal (PayPal Credit / Pay in 3/4) are key cross border and payments-leveraged competitors.
  • Local BNPL / instalment players such as Scalapay (Italy) and Alma (France) are active in national markets and often partner with local merchants.
  • In the B2B space, Two and Terms.Tech have gained visibility as providers of trade credit / SME BNPL across Europe.
  • Treyd, a Swedish working capital / merchant financing fintech, is expanding across Nordic and adjacent markets; it provides supplier prepayment / working capital credit to product-based businesses.
  • Niche or vertical lenders players focusing on SME merchant cash advances, POS lending, or embedded credit in specialized verticals continue to enter in many European markets. For example, merchant cash advance solutions are reportedly accelerating across Europe.
These players cover a spectrum: consumer BNPL, payments backs, SME / merchant credit, embedded credit, and credit infrastructure providers.

Partnerships, M&A & Capital Moves:

  • PayPal & KKR announced a deal to acquire European BNPL loans and future BNPL originations, reflecting capital markets’ role in reallocating credit portfolios.
  • Many BNPL providers are securing debt or warehousing lines to support scaling of lending operations, not just equity rounds.
  • Partnerships between BNPL firms and large e-commerce platforms or payment gateways are common those enable wider origination and merchant reach without building direct consumer distribution.
  • Cross border consolidation or acquisitions are emerging, as firms seek scale across multiple European markets to amortize regulatory, tech, and funding costs.
  • Some fintechs are acquiring or integrating credit modules (risk engines, underwriting units) into broader financial or payments stacks to secure margin control.

Regulatory & Policy Changes:

Europe’s Consumer Credit Directive (CCD II) (Directive (EU) 2023/2225) is being transposed into national law, and will bring BNPL under regulated credit frameworks as of 20 November 2026.
  • Under CCD II, BNPL will be classified as credit, requiring that late fees, interest, disclosures, and credit assessments comply with national APR caps.
  • In the UK, BNPL is being reclassified as Deferred Payment Credit (DPC) under new rules; even small BNPL loans will require affordability checks starting 15 July 2026.
  • Germany’s draft legislation to implement CCD II expands consumer protection by including previously unregulated BNPL models under credit rules.
  • The European Commission has proposed easing securitisation rules (e.g. lower capital charges, simplified due diligence) to stimulate more lending capacity and capital flows.
  • Regulatory emphasis on algorithmic fairness, auditability in credit models, consumer safeguards, and transparency is growing, forcing alternative lenders to build more robust compliance infrastructure.
These regulatory shifts are tightening the corridor in which alternative lenders must operate, elevating the cost of non compliance and raising the importance of regulatory alignment.

Forecasted Competitive Trajectory:

  • Consolidation and scaling: Market participants that cannot scale or manage regulatory, capital, and risk burdens may get acquired, exit, or narrow scope.
  • Platform & merchant embedding intensifies: More credit origination will occur via merchant checkout, POS financing, and embedded credit rather than direct credit apps.
  • Infrastructure enablers rise: Lending APIs, risk engines, credit data platforms, compliance modules, and credit-as-a-service providers will play bigger roles as originators outsource non core functions.
  • Regulation becomes strategic moat: Firms that build regulatory foresight, audit-friendly models, and governance as core capabilities will be better positioned to expand safely across European markets.
  • Capital efficiency & securitisation matter: With proposed easing in securitisation rules and tighter capital markets, ability to package and transfer credit risk will influence who can scale cost effectively.
  • Differentiated underwriting and vintage control: Where volumes flatten, the edge will come from managing defaults, vintage performance, pricing on credit risk, and dynamic portfolio optimization.
This report provides a detailed data-centric analysis of the alternative lending industry in Europe, offering comprehensive coverage of both overall and alternative lending markets. It covers more than 100+ KPIs, including loan disbursement value, loan disbursement volume, average loan ticket size, and penetration rate.

The report offers in-depth segmentation across lending dimensions, including type of lending (Bank-based/NBFC and Alternative Lending), end-user segments (Retail Lending and SME/MSME Lending), and loan types. It further categorizes the alternative lending ecosystem by finance models (P2P Marketplace, Balance Sheet, Invoice Trading, Real Estate Crowdfunding, and Other Models), distribution channels (Branch/Physical, Direct Digital, and Agent/Broker), and payment instruments (Credit Transfer, Debit Card, E-Money, and Others). In addition, the analysis captures borrower demographics by age, income, and gender, alongside delinquency performance indicators. Collectively, these datasets provide a comprehensive and quantifiable view of market size, structure, lending behavior, and risk dynamics within the lending ecosystem.

PayNXT360 research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to deliver a detailed view of market performance, structural trends, and growth dynamics across the lending ecosystem, with a primary focus on alternative lending.

This title is a bundled offering, combining the following 17 reports, covering 2300+ tables and 2600+ figures:

1. Europe Alternative Lending Market Opportunities Databook
2. Austria Alternative Lending Market Opportunities Databook
3. Belgium Alternative Lending Market Opportunities Databook
4. Denmark Alternative Lending Market Opportunities Databook
5. Finland Alternative Lending Market Opportunities Databook
6. France Alternative Lending Market Opportunities Databook
7. Germany Alternative Lending Market Opportunities Databook
8. Greece Alternative Lending Market Opportunities Databook
9. Ireland Alternative Lending Market Opportunities Databook
10. Israel Alternative Lending Market Opportunities Databook
11. Italy Alternative Lending Market Opportunities Databook
12. Netherlands Alternative Lending Market Opportunities Databook
13. Poland Alternative Lending Market Opportunities Databook
14. Russia Alternative Lending Market Opportunities Databook
15. Spain Alternative Lending Market Opportunities Databook
16. Switzerland Alternative Lending Market Opportunities Databook
17. United Kingdom Alternative Lending Market Opportunities Databook

Report Scope

This report provides a detailed data-centric analysis of the regional alternative lending industry, with comprehensive coverage across both overall lending and alternative lending markets. Below is a summary of key market segments:

Macroeconomic Overview: Economic Indicators

  • by Gross Domestic Product (Current Prices)
  • by Population
  • Unemployment Rate

Operational Enablers and Infrastructure Readiness

  • Smartphone Penetration
  • Internet Connectivity & Broadband Access
  • Digital Wallet Adoption Rate
  • Real-Time Payments Infrastructure
  • E-commerce Penetration

Lending Market Size and Growth Dynamics

  • Loan Disbursement Value
  • Loan Disbursement Volume
  • Average Loan Ticket Size

Lending Market Segmentation by Lending Type

  • Bank-based / NBFC Lending
  • Alternative Lending

Lending Market Segmentation by End-User

  • Retail Lending
  • SME / MSME Lending

Retail Lending Market Segmentation by Loan Purpose

  • Housing / Mortgage Loans
  • Auto Loans
  • Education Loans
  • Personal Loans
  • Other Retail Loan Types (e.g., BNPL, Travel, Green Loans, Payday)

SME / MSME Lending Market Segmentation by Loan Purpose

  • Working Capital Loans
  • Expansion Loans
  • Equipment / Machinery Loans
  • Invoice Financing / Factoring
  • Trade Finance (Import / Export)
  • Real Estate / Commercial Property Loans
  • Other SME Lending (e.g., Digital Adoption, Franchise Financing)

Lending Market Segmentation by Distribution Channel

  • Branch / Physical
  • Direct Digital Lending
  • Agent / Broker Channel

Alternative Lending Market Size and Growth Dynamics

  • Loan Disbursement Value
  • Loan Disbursement Volume
  • Average Loan Ticket Size

Alternative Lending Market Segmentation by End-User

  • Consumer Lending
  • SME / MSME Lending

Alternative Lending Market Segmentation by Finance Models

  • P2P Marketplace
  • Balance Sheet Lending
  • Invoice Trading
  • Real Estate Crowdfunding
  • Other / Hybrid Models

Combined View: Finance Models by End-User Segments

  • P2P Marketplace - Consumer Lending / SME Lending / Property Lending
  • Balance Sheet Lending - Consumer Lending / SME Lending / Property Lending

Alternative Lending by Loan Purpose - Consumer Lending

  • Personal Loans
  • Payroll Advance
  • Home Improvement Loans
  • Education / Student Loans
  • Point-of-Sale (POS) Credit
  • Auto Loans
  • Medical Loans
  • Other Consumer Lending Types

Alternative Lending by Loan Purpose - SME / MSME Lending

  • Lines of Credit
  • Merchant Cash Advance
  • Invoice Factoring
  • Revenue-Based Financing
  • Other SME Loan Types

Alternative Lending Segmentation by Payment Instrument

  • Credit Transfer
  • Debit Card
  • E-Money
  • Other Instruments

Cross-Segmentation: Finance Models across Payment Instruments

  • P2P Marketplace across Credit Transfer / Debit Card / E-Money / Other
  • Balance Sheet Lending by Payment Instrument
  • Invoice Trading by Payment Instrument
  • Real Estate Crowdfunding by Payment Instrument
  • Other Models by Payment Instrument

Alternative Lending - Borrower-Level Insights: Consumer Demographics & Behavior

  • Borrower Distribution by Age Group
  • Borrower Distribution by Income Level
  • Borrower Distribution by Gender

Alternative Lending Credit Risk & Quality Metrics

  • Delinquency Rate (30 Days / 90 Days), 2024

Reasons to buy

  • Comprehensive Market Intelligence: Gain an integrated view of the overall and alternative lending landscape, combining macroeconomic context with detailed lending performance indicators such as loan disbursement value, volume, and average ticket size.
  • Granular Coverage of Alternative Lending: Explore the fast-evolving alternative lending ecosystem, including peer-to-peer (P2P) marketplaces, balance sheet lending, invoice trading, real estate crowdfunding, and hybrid finance models, supported by in-depth segmentation by end-user, loan purpose, and payment instrument.
  • Segment-Wise Insights and Cross-Analysis: Evaluate lending trends across consumer and SME/MSME segments, using advanced cross-segmentation to link finance models, loan purposes, and payment methods, offering a comprehensive understanding of credit origination dynamics.
  • Borrower-Level Behavioral Analytics: Understand borrower demographics and credit behavior through data on age, income level, gender distribution, and delinquency rates (30-day and 90-day), enabling sharper credit risk assessment and customer targeting.
  • Digital Infrastructure and Ecosystem Readiness: Assess the enabling digital ecosystem including smartphone penetration, internet access, digital wallet adoption, and real-time payments infrastructure that underpins the growth of fintech-driven lending models.
  • Data-Driven Forecasts and KPI Benchmarking: Access a comprehensive dataset of 100+ key performance indicators (KPIs) with historical and forecast data through 2030, providing visibility into emerging lending trends, growth drivers, and investment opportunities.
  • Decision-Ready Databook Format: Delivered in a data-centric, easy-to-analyze format, the Databook supports integration into financial models, strategy decks, and investor presentations, enabling stakeholders, including banks, fintechs, investors, and policymakers, to make informed, evidence-based decisions.

Table of Contents

This title is a bundled offering, combining the following 17 reports, covering 2300+ tables and 2600+ figures:
1. Europe Alternative Lending Market Opportunities Databook
2. Austria Alternative Lending Market Opportunities Databook
3. Belgium Alternative Lending Market Opportunities Databook
4. Denmark Alternative Lending Market Opportunities Databook
5. Finland Alternative Lending Market Opportunities Databook
6. France Alternative Lending Market Opportunities Databook
7. Germany Alternative Lending Market Opportunities Databook
8. Greece Alternative Lending Market Opportunities Databook
9. Ireland Alternative Lending Market Opportunities Databook
10. Israel Alternative Lending Market Opportunities Databook
11. Italy Alternative Lending Market Opportunities Databook
12. Netherlands Alternative Lending Market Opportunities Databook
13. Poland Alternative Lending Market Opportunities Databook
14. Russia Alternative Lending Market Opportunities Databook
15. Spain Alternative Lending Market Opportunities Databook
16. Switzerland Alternative Lending Market Opportunities Databook
17. United Kingdom Alternative Lending Market Opportunities Databook
All regional, and country reports mentioned above will have the following tables of contents:
1. About this Report
1.1. Summary
1.2. Methodology
1.3. Definition
1.4. Disclaimer
2. Economic Indicators
2.1. Gross Domestic Product at Current Prices, 2020-2029
2.2. Economic Indicator by Population, 2020 - 2024
2.3. Unemployment Rate, 2024
3. Broader Market Enablers & Digital Infrastructure
3.1. Smartphone and Internet Connectivity / Broadband Penetration, 2024
3.2. Real-time Payments, Digital Wallet Adoption, and E-commerce Penetration Rate, 2024
4. Overall Lending Industry Attractiveness
4.1. Overall Lending - Loan Disbursement Value Dynamics, 2020-2029
4.2. Overall Lending - Loan Disbursement Volume Dynamics, 2020-2029
4.3. Overall Lending - Average Loan Ticket Size Dynamics, 2020-2029
5. Overall Lending Market Size and Forecast by Type of Lending
5.1. Overall Lending Market Share by Type of Lending, 2024
5.2. Overall Lending by Alternative Lending
5.2.1. Alternative Lending - Loan Disbursement Value Dynamics, 2020-2029
5.2.2. Alternative Lending - Loan Disbursement Volume Dynamics, 2020-2029
5.2.3. Alternative Lending - Average Loan Ticket Size Dynamics, 2020-2029
5.3. Overall Lending by Bank-based / NBFC Lending
5.3.1. Bank-based / NBFC Lending - Loan Disbursement Value Dynamics, 2020-2029
5.3.2. Bank-based / NBFC Lending - Loan Disbursement Volume Dynamics, 2020-2029
5.3.3. Bank-based / NBFC Lending - Average Loan Ticket Size Dynamics, 2020-2029
6. Overall Lending Market Size and Forecast by End-User
6.1. Overall Lending Market Share by End-User, 2024
6.2. End User of Overall Lending by Retail Lending
6.2.1. Retail Lending - Loan Disbursement Value Dynamics, 2020-2029
6.2.2. Retail Lending - Loan Disbursement Volume Dynamics, 2020-2029
6.2.3. Retail Lending - Average Loan Ticket Size Dynamics, 2020-2029
6.3. End User of Overall Lending by SME / MSME Lending
6.3.1. SME / MSME Lending - Loan Disbursement Value Dynamics, 2020-2029
6.3.2. SME / MSME Lending - Loan Disbursement Volume Dynamics, 2020-2029
6.3.3. SME / MSME Lending - Average Loan Ticket Size Dynamics, 2020-2029
7. Retail Lending Market Size and Forecast by Loan Purpose / Use Case
7.1. Retail Lending Market Share by Loan Purpose / Use Case, 2024
7.2. Retail Lending by Housing / Mortgage Loans
7.2.1. Housing / Mortgage Loans - Loan Disbursement Value Dynamics, 2020-2029
7.2.2. Housing / Mortgage Loans - Loan Disbursement Volume Dynamics, 2020-2029
7.2.3. Housing / Mortgage Loans - Average Loan Ticket Size Dynamics, 2020-2029
7.3. Retail Lending by Auto Loans
7.3.1. Auto Loans - Loan Disbursement Value Dynamics, 2020-2029
7.3.2. Auto Loans - Loan Disbursement Volume Dynamics, 2020-2029
7.3.3. Auto Loans - Average Loan Ticket Size Dynamics, 2020-2029
7.4. Retail Lending by Education Loans
7.4.1. Education Loans - Loan Disbursement Value Dynamics, 2020-2029
7.4.2. Education Loans - Loan Disbursement Volume Dynamics, 2020-2029
7.4.3. Education Loans - Average Loan Ticket Size Dynamics, 2020-2029
7.5. Retail Lending by Personal Loans
7.5.1. Personal Loans - Loan Disbursement Value Dynamics, 2020-2029
7.5.2. Personal Loans - Loan Disbursement Volume Dynamics, 2020-2029
7.5.3. Personal Loans - Average Loan Ticket Size Dynamics, 2020-2029
7.6. Retail Lending by Others
7.6.1. Others - Loan Disbursement Value Dynamics, 2020-2029
7.6.2. Others - Loan Disbursement Volume Dynamics, 2020-2029
7.6.3. Others - Average Loan Ticket Size Dynamics, 2020-2029
8. SME/MSME Lending Market Size and Forecast by Loan Purpose / Use Case
8.1. SME/MSME Lending Market Share by Loan Purpose / Use Case, 2024
8.2. SME/MSME Lending by Working Capital Loans
8.2.1. Working Capital Loans - Loan Disbursement Value Dynamics, 2020-2029
8.2.2. Working Capital Loans - Loan Disbursement Volume Dynamics, 2020-2029
8.2.3. Working Capital Loans - Average Loan Ticket Size Dynamics, 2020-2029
8.3. SME/MSME Lending by Expansion Loans
8.3.1. Expansion Loans - Loan Disbursement Value Dynamics, 2020-2029
8.3.2. Expansion Loans - Loan Disbursement Volume Dynamics, 2020-2029
8.3.3. Expansion Loans - Average Loan Ticket Size Dynamics, 2020-2029
8.4. SME/MSME Lending by Equipment / Machinery Loans
8.4.1. Equipment / Machinery Loans - Loan Disbursement Value Dynamics, 2020-2029
8.4.2. Equipment / Machinery Loans - Loan Disbursement Volume Dynamics, 2020-2029
8.4.3. Equipment / Machinery Loans - Average Loan Ticket Size Dynamics, 2020-2029
8.5. SME/MSME Lending by Invoice Financing / Factoring
8.5.1. Invoice Financing / Factoring - Loan Disbursement Value Dynamics, 2020-2029
8.5.2. Invoice Financing / Factoring - Loan Disbursement Volume Dynamics, 2020-2029
8.5.3. Invoice Financing / Factoring - Average Loan Ticket Size Dynamics, 2020-2029
8.6. SME/MSME Lending by Trade Finance (Import/Export)
8.6.1. Trade Finance - Loan Disbursement Value Dynamics, 2020-2029
8.6.2. Trade Finance - Loan Disbursement Volume Dynamics, 2020-2029
8.6.3. Trade Finance - Average Loan Ticket Size Dynamics, 2020-2029
8.7. SME/MSME Lending by Real Estate / Commercial Property Loans
8.7.1. Real Estate / Commercial Property Loans - Loan Disbursement Value Dynamics, 2020-2029
8.7.2. Real Estate / Commercial Property Loans - Loan Disbursement Volume Dynamics, 2020-2029
8.7.3. Real Estate / Commercial Property Loans - Average Loan Ticket Size Dynamics, 2020-2029
8.8. SME/MSME Lending by Others
8.8.1. Others - Loan Disbursement Value Dynamics, 2020-2029
8.8.2. Others - Loan Disbursement Volume Dynamics, 2020-2029
8.8.3. Others - Average Loan Ticket Size Dynamics, 2020-2029
9. Overall Lending Market Size and Forecast by Distribution Channel
9.1. Overall Lending Market Share by Distribution Channel, 2024
9.2. Branch / Physical - Loan Disbursement Value Dynamics, 2020-2029
9.3. Direct Digital Lending - Loan Disbursement Value Dynamics, 2020-2029
9.4. Agent / Broker Channel - Loan Disbursement Value Dynamics, 2020-2029
10. Alternative Lending Industry Attractiveness
10.1. Alternative Lending - Loan Disbursement Value Dynamics, 2020-2029
10.2. Alternative Lending - Loan Disbursement Volume Dynamics, 2020-2029
10.3. Alternative Lending - Average Loan Ticket Size Dynamics, 2020-2029
11. Alternative Lending Market Size and Forecast by End-User
11.1. Alternative Lending Market Share by End-User, 2024
11.2. End User of Alternative Lending by Consumer Lending
11.2.1. Consumer Lending - Loan Disbursement Value Dynamics, 2020-2029
11.2.2. Consumer Lending - Loan Disbursement Volume Dynamics, 2020-2029
11.2.3. Consumer Lending - Average Loan Ticket Size Dynamics, 2020-2029
11.3. End User of Alternative Lending by SME / MSME Lending
11.3.1. SME / MSME Lending - Loan Disbursement Value Dynamics, 2020-2029
11.3.2. SME / MSME Lending - Loan Disbursement Volume Dynamics, 2020-2029
11.3.3. SME / MSME Lending - Average Loan Ticket Size Dynamics, 2020-2029
12. Alternative Lending Market Size and Forecast by Finance Models
12.1. Alternative Lending Market Share by Finance Models, 2024
12.2. Alternative Lending by P2P Marketplace
12.2.1. P2P Marketplace - Loan Disbursement Value Dynamics, 2020-2029
12.2.2. P2P Marketplace - Loan Disbursement Volume Dynamics, 2020-2029
12.2.3. P2P Marketplace - Average Loan Ticket Size Dynamics, 2020-2029
12.3. Alternative Lending by Balance Sheet Lending
12.3.1. Balance Sheet Lending - Loan Disbursement Value Dynamics, 2020-2029
12.3.2. Balance Sheet Lending - Loan Disbursement Volume Dynamics, 2020-2029
12.3.3. Balance Sheet Lending - Average Loan Ticket Size Dynamics, 2020-2029
12.4. Alternative Lending by Invoice Trading
12.4.1. Invoice Trading - Loan Disbursement Value Dynamics, 2020-2029
12.4.2. Invoice Trading - Loan Disbursement Volume Dynamics, 2020-2029
12.4.3. Invoice Trading - Average Loan Ticket Size Dynamics, 2020-2029
12.5. Alternative Lending by Real Estate Crowdfunding
12.5.1. Real Estate Crowdfunding - Loan Disbursement Value Dynamics, 2020-2029
12.5.2. Real Estate Crowdfunding - Loan Disbursement Volume Dynamics, 2020-2029
12.5.3. Real Estate Crowdfunding - Average Loan Ticket Size Dynamics, 2020-2029
12.6. Alternative Lending by Other Models
12.6.1. Other Models - Loan Disbursement Value Dynamics, 2020-2029
12.6.2. Other Models - Loan Disbursement Volume Dynamics, 2020-2029
12.6.3. Other Models - Average Loan Ticket Size Dynamics, 2020-2029
13. Alternative Lending Market Size and Forecast by Finance Models and End-User Segments
13.1. Alternative Lending Market Share by Finance Models and End-User Segments, 2024
13.2. Alternative Lending by P2P Marketplace - Consumer Lending - Loan Disbursement Value Dynamics, 2020-2029
13.3. Alternative Lending by P2P Marketplace - SME/MSME Lending - Loan Disbursement Value Dynamics, 2020-2029
13.4. Alternative Lending by P2P Marketplace - Property Lending - Loan Disbursement Value Dynamics, 2020-2029
13.5. Alternative Lending by Balance Sheet - Consumer Lending - Loan Disbursement Value Dynamics, 2020-2029
13.6. Alternative Lending by Balance Sheet - SME/MSME Lending - Loan Disbursement Value Dynamics, 2020-2029
13.7. Alternative Lending by Balance Sheet - Property Lending - Loan Disbursement Value Dynamics, 2020-2029
14. Alternative Lending Market Size and Forecast by Loan Purpose / Use Case - Retail (Consumer Lending)
14.1. Alternative Lending Market Share by Retail Loan Purpose / Use Case, 2024
14.2. Alternative Lending by Personal Loans - Retail (Consumer Lending)
14.2.1. Personal Loans - Loan Disbursement Value Dynamics, 2020-2029
14.2.2. Personal Loans - Loan Disbursement Volume Dynamics, 2020-2029
14.2.3. Personal Loans - Average Loan Ticket Size Dynamics, 2020-2029
14.3. Alternative Lending by Payroll Advance - Retail (Consumer Lending)
14.3.1. Payroll Advance - Loan Disbursement Value Dynamics, 2020-2029
14.3.2. Payroll Advance - Loan Disbursement Volume Dynamics, 2020-2029
14.3.3. Payroll Advance - Average Loan Ticket Size Dynamics, 2020-2029
14.4. Alternative Lending by Home Improvement - Retail (Consumer Lending)
14.4.1. Home Improvement - Loan Disbursement Value Dynamics, 2020-2029
14.4.2. Home Improvement - Loan Disbursement Volume Dynamics, 2020-2029
14.4.3. Home Improvement - Average Loan Ticket Size Dynamics, 2020-2029
14.5. Alternative Lending by Education/Student Loans - Retail (Consumer Lending)
14.5.1. Education/Student Loans - Loan Disbursement Value Dynamics, 2020-2029
14.5.2. Education/Student Loans - Loan Disbursement Volume Dynamics, 2020-2029
14.5.3. Education/Student Loans - Average Loan Ticket Size Dynamics, 2020-2029
14.6. Alternative Lending by Point of Sale Credit - Retail (Consumer Lending)
14.6.1. Point of Sale Credit - Loan Disbursement Value Dynamics, 2020-2029
14.6.2. Point of Sale Credit - Loan Disbursement Volume Dynamics, 2020-2029
14.6.3. Point of Sale Credit - Average Loan Ticket Size Dynamics, 2020-2029
14.7. Alternative Lending by Auto Loans - Retail (Consumer Lending)
14.7.1. Auto Loans - Loan Disbursement Value Dynamics, 2020-2029
14.7.2. Auto Loans - Loan Disbursement Volume Dynamics, 2020-2029
14.7.3. Auto Loans - Average Loan Ticket Size Dynamics, 2020-2029
14.8. Alternative Lending by Medical Loans - Retail (Consumer Lending)
14.8.1. Medical Loans - Loan Disbursement Value Dynamics, 2020-2029
14.8.2. Medical Loans - Loan Disbursement Volume Dynamics, 2020-2029
14.8.3. Medical Loans - Average Loan Ticket Size Dynamics, 2020-2029
14.9. Alternative Lending by Others - Retail (Consumer Lending)
14.9.1. Others - Loan Disbursement Value Dynamics, 2020-2029
14.9.2. Others - Loan Disbursement Volume Dynamics, 2020-2029
14.9.3. Others - Average Loan Ticket Size Dynamics, 2020-2029
15. Alternative Lending Market Size and Forecast by Loan Purpose / Use Case - SME/MSME (SME/MSME Lending)
15.1. Alternative Lending Market Share by SME/MSME Loan Purpose / Use Case, 2024
15.2. Alternative Lending by Lines of Credit - SME/MSME (SME/MSME Lending)
15.2.1. Lines of Credit - Loan Disbursement Value Dynamics, 2020-2029
15.2.2. Lines of Credit - Loan Disbursement Volume Dynamics, 2020-2029
15.2.3. Lines of Credit - Average Loan Ticket Size Dynamics, 2020-2029
15.3. Alternative Lending by Merchant Cash Advance - SME/MSME (SME/MSME Lending)
15.3.1. Merchant Cash Advance - Loan Disbursement Value Dynamics, 2020-2029
15.3.2. Merchant Cash Advance - Loan Disbursement Volume Dynamics, 2020-2029
15.3.3. Merchant Cash Advance - Average Loan Ticket Size Dynamics, 2020-2029
15.4. Alternative Lending by Invoice Factoring - SME/MSME (SME/MSME Lending)
15.4.1. Invoice Factoring - Loan Disbursement Value Dynamics, 2020-2029
15.4.2. Invoice Factoring - Loan Disbursement Volume Dynamics, 2020-2029
15.4.3. Invoice Factoring - Average Loan Ticket Size Dynamics, 2020-2029
15.5. Alternative Lending by Revenue Financing - SME/MSME (SME/MSME Lending)
15.5.1. Revenue Financing - Loan Disbursement Value Dynamics, 2020-2029
15.5.2. Revenue Financing - Loan Disbursement Volume Dynamics, 2020-2029
15.5.3. Revenue Financing - Average Loan Ticket Size Dynamics, 2020-2029
15.6. Alternative Lending by Others - SME/MSME (SME/MSME Lending)
15.6.1. Others - Loan Disbursement Value Dynamics, 2020-2029
15.6.2. Others - Loan Disbursement Volume Dynamics, 2020-2029
15.6.3. Others - Average Loan Ticket Size Dynamics, 2020-2029
16. Alternative Lending Market Size and Forecast by Payment Instrument
16.1. Alternative Lending Market Share by Payment Instrument, 2024
16.2. Payment Instrument of Alternative Lending by Credit Transfer - Loan Disbursement Value Dynamics, 2020-2029
16.3. Payment Instrument of Alternative Lending by Debit Card - Loan Disbursement Value Dynamics, 2020-2029
16.4. Payment Instrument of Alternative Lending by E-Money - Loan Disbursement Value Dynamics, 2020-2029
16.5. Payment Instrument of Alternative Lending by Other - Loan Disbursement Value Dynamics, 2020-2029
17. Alternative Lending by Finance Models across Payment Instruments
17.1. Alternative Lending Market Size and Forecast by P2P Marketplace across Payment Instruments, 2024
17.1.1. Alternative Lending Market Share by P2P Marketplace across Payment Instruments, 2024
17.1.2. P2P Marketplace across Credit Transfer - Loan Disbursement Value Dynamics, 2020-2029
17.1.3. P2P Marketplace across Debit Card - Loan Disbursement Value Dynamics, 2020-2029
17.1.4. P2P Marketplace across E-Money - Loan Disbursement Value Dynamics, 2020-2029
17.1.5. P2P Marketplace across Other Payment Instrument - Loan Disbursement Value Dynamics, 2020-2029
17.2. Alternative Lending Market Size and Forecast by Balance Sheet across Payment Instruments
17.2.1. Alternative Lending Market Share by Balance Sheet across Payment Instruments, 2024
17.2.2. Balance Sheet across Credit Transfer - Loan Disbursement Value Dynamics, 2020-2029
17.2.3. Balance Sheet across Debit Card - Loan Disbursement Value Dynamics, 2020-2029
17.2.4. Balance Sheet across E-Money - Loan Disbursement Value Dynamics, 2020-2029
17.2.5. Balance Sheet across Other Payment Instrument - Loan Disbursement Value Dynamics, 2020-2029
17.3. Alternative Lending Market Size and Forecast by Invoice Trading across Payment Instruments
17.3.1. Alternative Lending Market Share by Invoice Trading across Payment Instruments, 2024
17.3.2. Invoice Trading across Credit Transfer - Loan Disbursement Value Dynamics, 2020-2029
17.3.3. Invoice Trading across Debit Card - Loan Disbursement Value Dynamics, 2020-2029
17.3.4. Invoice Trading across E-Money - Loan Disbursement Value Dynamics, 2020-2029
17.3.5. Invoice Trading across Other Payment Instrument - Loan Disbursement Value Dynamics, 2020-2029
17.4. Alternative Lending Market Size and Forecast by Real Estate Crowdfunding across Payment Instruments
17.4.1. Alternative Lending Market Share by Real Estate Crowdfunding across Payment Instruments, 2024
17.4.2. Real Estate Crowdfunding across Credit Transfer - Loan Disbursement Value Dynamics, 2020-2029
17.4.3. Real Estate Crowdfunding across Debit Card - Loan Disbursement Value Dynamics, 2020-2029
17.4.4. Real Estate Crowdfunding across E-Money - Loan Disbursement Value Dynamics, 2020-2029
17.4.5. Real Estate Crowdfunding across Other Payment Instrument - Loan Disbursement Value Dynamics, 2020-2029
17.5. Alternative Lending Market Size and Forecast by Other Finance Models across Payment Instruments
17.5.1. Alternative Lending Market Share by Other Finance Models and Loan Disbursement Payment Instruments, 2024
17.5.2. Other Finance Models across Credit Transfer - Loan Disbursement Value Dynamics, 2020-2029
17.5.3. Other Finance Models across Debit Card - Loan Disbursement Value Dynamics, 2020-2029
17.5.4. Other Finance Models across E-Money - Loan Disbursement Value Dynamics, 2020-2029
17.5.5. Other Finance Models across Other Payment Instrument - Loan Disbursement Value Dynamics, 2020-2029
18. Alternative Lending Analysis by Consumer Demographics & Behavior
18.1. Alternative Lending by Age Group, 2024
18.2. Alternative Lending by Income Level, 2024
18.3. Alternative Lending by Gender, 2024
18.4. Alternative Lending - Delinquency Rate 30 Days / 90 Days, 2024
19. Further Reading
19.1. About the Publisher
19.2. Related Research
List of Tables
All regional and country reports will have the following tables:
Table 1: Gross Domestic Product at Current Prices, (US$ Million), 2020-2029
Table 2: Economic Indicator by Population, (Million), 2020-2024
Table 3: Overall Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 4: Overall Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 5: Overall Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 6: Alternative Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 7: Alternative Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 8: Alternative Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 9: Bank-based / NBFC Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 10: Bank-based / NBFC Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 11: Bank-based / NBFC Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 12: Retail Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 13: Retail Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 14: Retail Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 15: SME / MSME Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 16: SME / MSME Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 17: SME / MSME Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 18: Housing / Mortgage Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 19: Housing / Mortgage Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 20: Housing / Mortgage Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 21: Auto Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 22: Auto Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 23: Auto Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 24: Education Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 25: Education Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 26: Education Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 27: Personal Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 28: Personal Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 29: Personal Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 30: Others - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 31: Others - Loan Disbursement Volume Dynamics (Million), 2020-2029
Table 32: Others - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 33: Working Capital Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 34: Working Capital Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 35: Working Capital Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 36: Expansion Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 37: Expansion Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 38: Expansion Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 39: Equipment / Machinery Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 40: Equipment / Machinery Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 41: Equipment / Machinery Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 42: Invoice Financing / Factoring - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 43: Invoice Financing / Factoring - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 44: Invoice Financing / Factoring - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 45: Trade Finance - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 46: Trade Finance - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 47: Trade Finance - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 48: Real Estate / Commercial Property Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 49: Real Estate / Commercial Property Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 50: Real Estate / Commercial Property Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 51: Others - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 52: Others - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 53: Others - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 54: Branch / Physical - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 55: Direct Digital Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 56: Agent / Broker Channel - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 57: Alternative Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 58: Alternative Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 59: Alternative Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 60: Consumer Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 61: Consumer Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 62: Consumer Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 63: SME / MSME Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 64: SME / MSME Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 65: SME / MSME Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 66: P2P Marketplace - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 67: P2P Marketplace - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 68: P2P Marketplace - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 69: Balance Sheet Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 70: Balance Sheet Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 71: Balance Sheet Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 72: Invoice Trading - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 73: Invoice Trading - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 74: Invoice Trading - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 75: Real Estate Crowdfunding - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 76: Real Estate Crowdfunding - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 77: Real Estate Crowdfunding - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 78: Other Models - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 79: Other Models - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 80: Other Models - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 81: Alternative Lending by P2P Marketplace - Consumer Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 82: Alternative Lending by P2P Marketplace - SME/MSME Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 83: Alternative Lending by P2P Marketplace - Property Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 84: Alternative Lending by Balance Sheet - Consumer Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 85: Alternative Lending by Balance Sheet - SME/MSME Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 86: Alternative Lending by Balance Sheet - Property Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 87: Personal Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 88: Personal Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 89: Personal Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 90: Payroll Advance - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 91: Payroll Advance - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 92: Payroll Advance - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 93: Home Improvement - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 94: Home Improvement - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 95: Home Improvement - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 96: Education/Student Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 97: Education/Student Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 98: Education/Student Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 99: Point of Sale Credit - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 100: Point of Sale Credit - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 101: Point of Sale Credit - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 102: Auto Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 103: Auto Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 104: Auto Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 105: Medical Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 106: Medical Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 107: Medical Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 108: Others - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 109: Others - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 110: Others - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 111: Lines of Credit - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 112: Lines of Credit - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 113: Lines of Credit - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 114: Merchant Cash Advance - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 115: Merchant Cash Advance - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 116: Merchant Cash Advance - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 117: Invoice Factoring - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 118: Invoice Factoring - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 119: Invoice Factoring - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 120: Revenue Financing - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 121: Revenue Financing - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 122: Revenue Financing - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 123: Others - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 124: Others - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Table 125: Others - Average Loan Ticket Size Dynamics (US$), 2020-2029
Table 126: Payment Instrument of Alternative Lending by Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 127: Payment Instrument of Alternative Lending by Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 128: Payment Instrument of Alternative Lending by E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 129: Payment Instrument of Alternative Lending by Other - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 130: P2P Marketplace across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 131: P2P Marketplace across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 132: P2P Marketplace across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 133: P2P Marketplace across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 134: Balance Sheet across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 135: Balance Sheet across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 136: Balance Sheet across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 137: Balance Sheet across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 138: Invoice Trading across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 139: Invoice Trading across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 140: Invoice Trading across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 141: Invoice Trading across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 142: Real Estate Crowdfunding across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 143: Real Estate Crowdfunding across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 144: Real Estate Crowdfunding across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 145: Real Estate Crowdfunding across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 146: Other Finance Models across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 147: Other Finance Models across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 148: Other Models across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Table 149: Other Finance Models across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
List of Figures
All regional and country reports will have the following figures:
Figure 1: Methodology Framework
Figure 2: Gross Domestic Product at Current Prices, (US$ Million), 2020-2029
Figure 3: Economic Indicator by Population, (Million), 2020-2024
Figure 4: Unemployment Rate (%), 2024
Figure 5: Smartphone Adoption and Internet Connectivity / Broadband Penetration (%), 2024
Figure 6: Real-time Payments Adoption, Digital Wallet Adoption, and E-commerce Penetration Rate (%), 2024
Figure 7: Overall Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 8: Overall Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 9: Overall Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 10: Overall Lending Market Share by Type of Lending (%), 2024
Figure 11: Alternative Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 12: Alternative Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 13: Alternative Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 14: Bank-based / NBFC Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 15: Bank-based / NBFC Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 16: Bank-based / NBFC Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 17: Overall Lending Market Share by End-User (%), 2024
Figure 18: Retail Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 19: Retail Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 20: Retail Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 21: SME / MSME Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 22: SME / MSME Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 23: SME / MSME Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 24: Retail Lending Market Share by Loan Purpose / Use Case (%), 2024
Figure 25: Housing / Mortgage Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 26: Housing / Mortgage Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 27: Housing / Mortgage Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 28: Auto Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 29: Auto Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 30: Auto Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 31: Education Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 32: Education Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 33: Education Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 34: Personal Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 35: Personal Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 36: Personal Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 37: Others - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 38: Others - Loan Disbursement Volume Dynamics (Million), 2020-2029
Figure 39: Others - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 40: SME/MSME Lending Market Share by Loan Purpose / Use Case (%), 2024
Figure 41: Working Capital Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 42: Working Capital Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 43: Working Capital Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 44: Expansion Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 45: Expansion Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 46: Expansion Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 47: Equipment / Machinery Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 48: Equipment / Machinery Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 49: Equipment / Machinery Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 50: Invoice Financing / Factoring - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 51: Invoice Financing / Factoring - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 52: Invoice Financing / Factoring - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 53: Trade Finance - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 54: Trade Finance - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 55: Trade Finance - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 56: Real Estate / Commercial Property Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 57: Real Estate / Commercial Property Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 58: Real Estate / Commercial Property Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 59: Others - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 60: Others - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 61: Others - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 62: Overall Lending Market Share by Distribution Channel (%), 2024
Figure 63: Branch / Physical - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 64: Direct Digital Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 65: Agent / Broker Channel - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 66: Alternative Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 67: Alternative Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 68: Alternative Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 69: Alternative Lending Market Share by End-User (%), 2024
Figure 70: Consumer Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 71: Consumer Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 72: Consumer Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 73: SME / MSME Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 74: SME / MSME Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 75: SME / MSME Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 76: Alternative Lending Market Share by Finance Models (%), 2024
Figure 77: P2P Marketplace - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 78: P2P Marketplace - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 79: P2P Marketplace - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 80: Balance Sheet Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 81: Balance Sheet Lending - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 82: Balance Sheet Lending - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 83: Invoice Trading - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 84: Invoice Trading - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 85: Invoice Trading - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 86: Real Estate Crowdfunding - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 87: Real Estate Crowdfunding - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 88: Real Estate Crowdfunding - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 89: Other Models - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 90: Other Models - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 91: Other Models - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 92: Alternative Lending Market Share by Finance Models and End-User Segments (%), 2024
Figure 93: Alternative Lending by P2P Marketplace - Consumer Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 94: Alternative Lending by P2P Marketplace - SME/MSME Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 95: Alternative Lending by P2P Marketplace - Property Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 96: Alternative Lending by Balance Sheet - Consumer Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 97: Alternative Lending by Balance Sheet - SME/MSME Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 98: Alternative Lending by Balance Sheet - Property Lending - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 99: Alternative Lending Market Share by Retail Loan Purpose / Use Case (%), 2024
Figure 100: Personal Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 101: Personal Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 102: Personal Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 103: Payroll Advance - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 104: Payroll Advance - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 105: Payroll Advance - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 106: Home Improvement - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 107: Home Improvement - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 108: Home Improvement - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 109: Education/Student Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 110: Education/Student Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 111: Education/Student Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 112: Point of Sale Credit - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 113: Point of Sale Credit - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 114: Point of Sale Credit - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 115: Auto Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 116: Auto Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 117: Auto Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 118: Medical Loans - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 119: Medical Loans - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 120: Medical Loans - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 121: Others - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 122: Others - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 123: Others - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 124: Alternative Lending Market Share by SME/MSME Loan Purpose / Use Case (%), 2024
Figure 125: Lines of Credit - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 126: Lines of Credit - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 127: Lines of Credit - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 128: Merchant Cash Advance - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 129: Merchant Cash Advance - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 130: Merchant Cash Advance - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 131: Invoice Factoring - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 132: Invoice Factoring - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 133: Invoice Factoring - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 134: Revenue Financing - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 135: Revenue Financing - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 136: Revenue Financing - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 137: Others - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 138: Others - Loan Disbursement Volume Dynamics (Thousands), 2020-2029
Figure 139: Others - Average Loan Ticket Size Dynamics (US$), 2020-2029
Figure 140: Alternative Lending Market Share by Payment Instrument (%), 2024
Figure 141: Payment Instrument of Alternative Lending by Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 142: Payment Instrument of Alternative Lending by Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 143: Payment Instrument of Alternative Lending by E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 144: Payment Instrument of Alternative Lending by Other - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 145: Alternative Lending Market Share by P2P Marketplace across Payment Instruments (%), 2024
Figure 146: P2P Marketplace across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 147: P2P Marketplace across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 148: P2P Marketplace across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 149: P2P Marketplace across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 150: Alternative Lending Market Share by Balance Sheet across Payment Instruments (%), 2024
Figure 151: Balance Sheet across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 152: Balance Sheet across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 153: Balance Sheet across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 154: Balance Sheet across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 155: Alternative Lending Market Share by Invoice Trading across Payment Instruments (%), 2024
Figure 156: Invoice Trading across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 157: Invoice Trading across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 158: Invoice Trading across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 159: Invoice Trading across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 160: Alternative Lending Market Share by Real Estate Crowdfunding across Payment Instruments (%), 2024
Figure 161: Real Estate Crowdfunding across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 162: Real Estate Crowdfunding across - Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 163: Real Estate Crowdfunding across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 164: Real Estate Crowdfunding across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 165: Alternative Lending Market Share by Other Finance Models across Payment Instruments (%), 2024
Figure 166: Other Finance Models across Credit Transfer - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 167: Other Finance Models across Debit Card - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 168: Other Finance Models across E-Money - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 169: Other Finance Models across Other Payment Instrument - Loan Disbursement Value Dynamics (US$ Million), 2020-2029
Figure 170: Alternative Lending by Age Group (%), 2024
Figure 171: Alternative Lending by Income Level (%), 2024
Figure 172: Alternative Lending by Gender (%), 2024
Figure 173: Alternative Lending by Delinquency Rate (%), 2024

Table Information

Report AttributeDetails
No. of Pages3400
PublishedNovember 2025
Forecast Period2025 - 2029
Estimated Market Value ( USD ) in 2025 $ 133 Billion
Forecasted Market Value ( USD ) by 2029 $ 221.4 Billion
Compound Annual Growth Rate13.6%
Regions CoveredEurope

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About the Alternative Lending Market

Alternative Lending is a form of banking that provides financing to individuals and businesses outside of traditional banking institutions. It is often used by those who are unable to access traditional bank loans due to a lack of credit history or other factors. Alternative Lending typically involves a more streamlined process than traditional banking, with less paperwork and faster approval times. It also offers more flexible repayment terms and lower interest rates than traditional banking. Alternative Lending is becoming increasingly popular as a way to access capital for businesses and individuals. It is often used to finance small business growth, purchase real estate, or consolidate debt. Some companies in the Alternative Lending market include Kabbage, LendingClub, and OnDeck. These companies provide a variety of loan products, including business loans, personal loans, and lines of credit. They also offer a range of services, such as credit monitoring and debt consolidation. Show Less Read more

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