Global Online Financing Platform for SMBs Market 2016-2020

  • ID: 3957541
  • Report
  • Region: Global
  • 85 pages
  • TechNavio
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FEATURED COMPANIES

  • Borrowers First
  • CircleBack Lending
  • Daric
  • Funding Circle
  • Kabbage
  • Lending Club
  • MORE
About Online Financing Platform

Online financing is a method of debt financing where different individuals can lend and borrow money using an online platform. Such systems eliminate any involvement of middlemen or banking institutions. The loans provided by the lender help the lender to generate income in the form of interest. On the other hand, the borrowers have easy access to financing, which might be difficult for them to procure if they approach a standard financial intermediary.

The amount of interest charged on the loans is comparatively lower than traditional prime loans, which are offered to compensate lenders for bearing the risk of non-payment from the borrowers. Investors fund only a portion of the loan and spread the amount of the loan across many buyers. The investors receive steady, attractive returns while spreading the risk across multiple borrowers. For example, the largest lending platform is in the US; Lending Club went public in December 2014 with a successful Initial Public Offering (IPO).

The analysts forecast the global online financing platform for SMBs market to grow at a CAGR of 53.06% during the period 2016-2020.

Covered in this report

The report covers the present scenario and the growth prospects of the global online financing platform for SMBs market for 2016-2020. To calculate the market size, the report considers the revenue generated from the online financing platform for SMBs in the Americas, APAC, and EMEA.

The market is divided into the following segments based on geography:

- Americas
- APAC
- EMEA

The report, Global Online Financing Platform for SMBs Market 2016-2020, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the market landscape and its growth prospects over the coming years. The report also includes a discussion of the key vendors operating in this market.

Key vendors
- CircleBack Lending
- Kabbage
- Lending Club
- Ondeck
- Peerform
- Prosper

Other prominent vendors
- Borrowers First
- Daric
- Funding Circle
- Pave
- SoFi

Market drivers
- Proper management of inventory system and working capital.
- For a full, detailed list, view the full report

Market challenges
- Difficulty in assessing long-term viability due to rising competition from banks and other lenders.
- For a full, detailed list, view the full report

Market trends
- Associations with different financial and banking institutions.
- For a full, detailed list, view the full report

Key questions answered in this report
- What will the market size be in 2020 and what will the growth rate be?
- What are the key market trends?
- What is driving this market?
- What are the challenges to market growth?
- Who are the key vendors in this market space?
- What are the market opportunities and threats faced by the key vendors?
- What are the strengths and weaknesses of the key vendors?

You can request one free hour of our analyst’s time when you purchase this market report. Details are provided within the report.
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Note: Product cover images may vary from those shown
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FEATURED COMPANIES

  • Borrowers First
  • CircleBack Lending
  • Daric
  • Funding Circle
  • Kabbage
  • Lending Club
  • MORE
Table of Content

Part 01: Executive summary
  • Highlights
Part 02: Scope of the report
  • Market overview
  • Countries covered
  • Top-vendor offerings
Part 03: Market research methodology
  • Research methodology
  • Economic indicators
Part 04: Introduction
  • Key market highlights
  • Online financing platform for SMBs
Part 05: Market landscape
  • Market overview
  • Market size and forecast
  • Five forces analysis
Part 06: Geographical segmentation
  • Geographical segmentation
  • Americas
  • EMEA
  • APAC
Part 07: Market drivers
  • Increase in lending of SMBs
  • Borrowers having quicker access to credit
  • Proper management of inventory system and working capital
Part 08: Impact of drivers

Part 09: Market challenges
  • Increasing governing and regulatory risks
  • Difficulty in assessing long-term viability due to rising competition from banks and other lenders
  • Unbalanced global economic recovery
Part 10: Impact of drivers and challenges

Part 11: Market trends
  • Rise in growth of SMBs financing
  • Big data and artificial intelligence
  • Associations with different financial and banking institutions
Part 12: Vendor landscape
  • Competitive landscape
  • Other prominent vendors
Part 13: Key vendor analysis
  • CircleBack Lending
  • Kabbage
  • Lending Club
  • Ondeck
  • Peerform
  • Prosper
Part 14: Appendix
  • List of abbreviations
Part 15: About the Author

List of Exhibits

Exhibit 01: Countries covered for market analysis
Exhibit 02: Product offerings
Exhibit 03: Advantages of online financing for the borrowers
Exhibit 04: Advantages of financing for the lenders
Exhibit 05: Steps involved in an online financing platform in US
Exhibit 06: Risks associated with financing for investors
Exhibit 07: Three emerging models in online lending to small businesses
Exhibit 08: Upstart: Key takeaways
Exhibit 09: Key takeaways 2015-2020
Exhibit 10: SMBs financing plans through technological innovations
Exhibit 11: Global online financing platform for SMBs market 2016-2020 ($ million)
Exhibit 12: Product features
Exhibit 13: Technology investment focus areas in 2020 (%)
Exhibit 14: Kabbage loan amount
Exhibit 15: Five forces analysis
Exhibit 16: Geographical segmentation
Exhibit 17: Online financing platform for SMBs Market in Americas 2016-2020 ($ million)
Exhibit 18: Online financing platforms in Americas
Exhibit 19: Online financing platform for SMBs Market in EMEA 2016-2020 ($ million)
Exhibit 20: Strategies to rebuild the ROE
Exhibit 21: Examples of lending platforms that are open to non-resident investors
Exhibit 22: Online financing platforms in EMEA
Exhibit 23: Online financing platform for SMBs Market in APAC 2016-2020 ($ million)
Exhibit 24: Examples of online financing platform in APAC
Exhibit 25: Financial structure infrastructure 2015
Exhibit 26: Examples of companies that provide faster access to credit
Exhibit 27: Advantages of business supporting large corporates and SMBs
Exhibit 28: SMBs financing plans through technology innovations
Exhibit 29: Impact of drivers
Exhibit 30: Rules for banks and non-bank credit providers by the Federal laws
Exhibit 31: Impact of drivers and challenges
Exhibit 32: Examples of online SMB financing
Exhibit 33: Example of associations with different financial and banking institutions
Exhibit 34: Few examples of online SMB lenders
Exhibit 35: Advantages of successful implementation of ERP in microenterprises
Exhibit 36: Borrowers First 2015
Exhibit 37: Daric 2015
Exhibit 38: Funding Circle 2015
Exhibit 39: Pave 2015
Exhibit 40: SoFi 2015
Exhibit 41: Product portfolio
Exhibit 42: Recent developments
Exhibit 43: CircleBack Lending: Key takeaways
Exhibit 44: Product portfolio
Exhibit 45: Recent developments
Exhibit 46: Lending Club: Key takeaways
Exhibit 47: Product portfolio
Exhibit 48: Product portfolio
Exhibit 49: Peerform: Key takeaways
Exhibit 50: Product portfolio
Exhibit 51: Recent developments
Exhibit 52: Prosper: Key takeaways
Note: Product cover images may vary from those shown
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FEATURED COMPANIES

  • Borrowers First
  • CircleBack Lending
  • Daric
  • Funding Circle
  • Kabbage
  • Lending Club
  • MORE
New Report Released: - Global Online Financing Platform for SMBs Market 2016-2020

The author of the report recognizes the following companies as the key players in the global online financing platform for smbs market: CircleBack Lending, Kabbage, Lending Club, Ondeck, Peerform, and Prosper.

Other prominent vendors in the market are: Borrowers First, Daric, Funding Circle, Pave, and SoFi.

Commenting on the report, an analyst from the research team said: “One of latest trends in the market is rise in growth of SMBs financing. We expect more online lending and crowd funding with government support, which would help investors to make small investments in private companies. The European Commission is evaluating soft-law measures that could help promote online lending and crowdfunding across Europe. The commission is assessing the means to align government funding with online lending and crowdfunding platforms in addition to the investment opportunities during the forecast period. The main driving factors are regulatory changes that include the elimination of capital gains tax and the relaxation of rules that limit foreign investments. This has helped in more capital inflows for the start-up businesses. The companies have been in an advantageous position; wherein they are able to meet the day to day operational expenses especially during the starting phase.”

According to the report, one of the primary drivers in the market is increase in lending of SMBs. In the aftermath of the financial crisis, banking, and financial institutions are trying to deleverage the off-balance sheet items to meet the penal capital adequacy requirements. This has led to the reduction of loan finance for SMBs and individual borrowers as they are considered to be risky. The emerging models of the online lending sector (that includes an online balance sheet, marketplaces, and P2P platforms) has successfully filled a massive unmet need. The innovations in technology have expanded the ease of access to working capital for SMBs. The boundaries of technological services are sometimes fluid, but there are five key products required for funding small businesses. These include marketplace lending, merchant and e-commerce finance, invoice financing, supply chain financing, and trade financing. These trends create an impression that technology may create more such products in the future.

Further, the report states that one major challenge in the market is increasing governing and regulatory risks. If we look at the present market, the online lending platforms are subject to regulations that are for certain consumer banking and other financial institutions. The consumer credit that is provided by the banking and financial institutions are subjected to a number of laws. These laws regulate the credit life-cycle that includes underwriting, payment terms, agreements and disclosures, advertisements and solicitations, and debt collection practices. There are also other laws like privacy and data security and anti-money laundering laws that regulate the relationship between the customers or borrowers and the banking and financial institutions. Due to complex regulations, non-bank creditors are forging partnerships with the banking and financial institutions as the banks have powers to regulate interest rates and host compliance infrastructure. However, bank partnerships with non-bank consumer lenders have drawn scrutiny from banking regulators on their lending practices and compliance with laws.

The study was conducted using an objective combination of primary and secondary information including inputs from key participants in the industry. The report contains a comprehensive market and vendor landscape in addition to a SWOT analysis of the key vendors.
Note: Product cover images may vary from those shown
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- Borrowers First
- CircleBack Lending
- Daric
- Funding Circle
- Kabbage
- Lending Club
- Ondeck
- Pave
- Peerform
- Prosper
- SoFi
Note: Product cover images may vary from those shown
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Note: Product cover images may vary from those shown
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