Global Peer to Peer Lending Market by End-user (Consumer Credit Loans, Small Business Loans, Student Loans, and Real Estate Loans) and Business Model Type (Alternate Marketplace Lending and Traditional Lending)

  • ID: 4176081
  • Report
  • Region: Global
  • 110 pages
  • Allied Analytics LLP
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FEATURED COMPANIES

  • Avant, Inc.
  • Circleback Lending, LLC.
  • Funding Circle Limited
  • Kabbage, Inc.
  • LendingClub Corporation
  • onDeck Capital, Inc.
  • MORE
Global peer to peer lending (P2P) is a method of online debt financing that allows creditors to lend money to small business and individual borrowers. P2P lending transactions are economical for borrowers and a profitable investment opportunity for the retail lenders. Peer-to-peer lending allows you to give loans to individuals or participate in pools of loans, thus limiting the market risk. The P2P companies do not lend their own funds but act as mediators to both the borrower and the lender.

P2P lending industry is depicting robust growth in developed economies of Europe and North America. Owing to strong financial markets The U.S. has the largest P2P lending markets in the world by loan volume while Europe is second in P2P lending.

There has been a rapid growth in P2P lending platforms, which had doubled the business annually in recent years, achieved through lesser cost and other advantages such as individual reach, better interest rates, low market threat and technological advancements compared to established banks, can capture market share in banking lending markets.

The market is segmented on the basis of business model, end-users, and geography. Based on business model, it is classified alternate marketplace lending and traditional lending. By types of end-user, it is divided into consumer credit loans, small business loans, student loans, and real estate loans. Geographically, it is analyzed across North America, Europe, Asia-Pacific, and LAMEA. Key players profiled in the report include LendingClub Corporation (U.S). Funding Circle Limited (UK), Prosper Marketplace, Inc. (U.S.) Circleback Lending, Inc. (U.S.), Social Finance, Inc. (U.S.), Zopa Limited (UK), Avant, Inc. (U.S.), onDeck Capital, Inc. (U.S.), RateSetter (UK) Kabbage (U.S)

KEY BENEFITS:

This study provides an in-depth analysis of the global peer to peer lending market, in terms of value, to elucidate the imminent investment pockets.
A detailed impact analysis of the current trends, regional peer to peer lending market size, future estimations are outlined to single out profitable areas.
Additionally, key drivers, restraints, and opportunities through 2014–2022 is also explained to identify the prevailing market opportunities.
Porter’s five forces analysis highlights the potency of suppliers & buyers in the competitive market to facilitate efficient business planning.

KEY MARKET SEGMENTS:

The market is segmented on the basis of business model, end-users and geography.

BY BUSINESS MODEL

Alternate marketplace lending
Traditional lending

BY TYPE OF END-USER

Consumer credit loans
Small business loans
Student loans
Real estate loans

BY GEOGRAPHY

North America
Europe
Asia-Pacific
LAMEA

Key Players in the value chain:

LendingClub Corporation
Funding Circle Limited
Prosper Marketplace, Inc.
Circleback Lending, LLC.
Social Finance, Inc.
Zopa Limited
Avant, Inc.
onDeck Capital, Inc.
RateSetter
Kabbage, Inc.
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2 of 5

FEATURED COMPANIES

  • Avant, Inc.
  • Circleback Lending, LLC.
  • Funding Circle Limited
  • Kabbage, Inc.
  • LendingClub Corporation
  • onDeck Capital, Inc.
  • MORE
Chapter 1 Introduction

1.1. Report Description
1.2. Research Methodology

1.2.1. Secondary Research
1.2.2. Primary Research
1.2.3. Analyst Tools And Models

Chapter 2 Executive Summary

2.1. CXO Perspective

Chapter 3 Market Overview

3.1. Market Definition And Scope
3.2. Key Findings

3.2.1. Top Impacting Factors
3.2.2. Top Investment Pockets
3.2.3. Top Winning Strategies

3.3. Porters Five Forces Analysis
3.4. Market Share Analysis, 2015
3.5. Market Dynamics

3.5.1. Drivers

3.5.1.1. Lesser Operating Cost And Low Market Risk
3.5.1.2. Technologically Advanced With Added Transparency Over Traditional Banking System.

3.5.2. Restraints

3.5.2.1. Risk Of Losing All Money And Higher Government Restraints
3.5.2.2. Lesser Awareness Of P2P Lending Benefits Among Population

3.5.3. Opportunities

3.5.3.1. Increased Awareness May Increase Usage Of Peer To Peer Lending Platforms

Chapter 4 Peer To Peer Lending Market By End-Users

4.1. Overview

4.1.1. Market Size And Forecast

4.2. Consumer Credit Loans

4.2.1. Key Market Trends, Growth Factors And Opportunities
4.2.2. Key Player Positioning
4.2.3. Market Size And Forecast

4.3. Small Business Loans

4.3.1. Key Market Trends, Growth Factors And Opportunities
4.3.2. Key Player Positioning
4.3.3. Market Size And Forecast

4.4. Student Loans

4.4.1. Key Market Trends, Growth Factors And Opportunities
4.4.2. Key Player Positioning
4.4.3. Market Size And Forecast

4.5. Real Estate Loans

4.5.1. Key Market Trends, Growth Factors And Opportunities
4.5.2. Key Player Positioning
4.5.3. Market Size And Forecast

Chapter 5 Peer To Peer Lending Market By Business Model

5.1. Overview

5.1.1. Market Size And Forecast

5.2. Alternate Marketplace Lending

5.2.1. Key Market Trends, Growth Factors And Opportunities
5.2.2. Market Size And Forecast

5.3. Traditional Lending

5.3.1. Key Market Trends, Growth Factors And Opportunities
5.3.2. Market Size And Forecast

Chapter 6 Peer To Peer Lending Market By Geography

6.1. Overview

6.1.1. Market Size And Forecast

6.2. North America

6.2.1. Key Market Trends, Growth Factors And Opportunities
6.2.2. Market Size And Forecast

6.2.2.1. By End-User Type
6.2.2.2. By Business Model
6.2.2.3. By Country

6.2.2.3.1. U.S.
6.2.2.3.2. Canada
6.2.2.3.3. Mexico

6.3. Europe

6.3.1. Key Market Trends, Growth Factors And Opportunities
6.3.2. Market Size And Forecast

6.3.2.1. By End-User Type
6.3.2.2. By Business Model
6.3.2.3. By Country

6.3.2.3.1. Uk
6.3.2.3.2. Germany
6.3.2.3.3. France
6.3.2.3.4 Rest Of Europe

6.4. Asia-Pacific

6.4.1. Key Market Trends, Growth Factors And Opportunities
6.4.2. Market Size And Forecast

6.4.2.1. By End-User Type
6.4.2.2. By Business Model
6.4.2.3. By Country

6.4.2.3.1. China
6.4.2.3.2. Australia
6.4.2.3.3. Rest Of Asia-Pacific

6.5. Lamea (Latin America, Middle East, And Africa)

6.5.1. Key Market Trends, Growth Factors And Opportunities
6.5.2. Market Size And Forecast

6.5.2.1. By End-User
6.5.2.2. By Business Model
6.5.2.3. By Region

6.5.2.3.1. Latin America
6.5.2.3.2. Middle East
6.5.2.3.3. Africa

Chapter 7 Company Profile

7.1. Avant, Inc.

7.1.1. Company Overview
7.1.2. Company Snapshot
7.1.3. Operating Business Segments
7.1.4. Business Performance
7.1.5. Key Strategic Moves And Developments

7.2. Circleback Lending, Llc

7.2.1. Company Overview
7.2.2. Company Snapshot
7.2.3. Operating Business Segments
7.2.4. Business Performance
7.2.5. Key Strategic Moves And Developments

7.3. Funding Circle Limited

7.3.1. Company Overview
7.3.2. Company Snapshot
7.3.3. Operating Business Segments
7.3.4. Key Strategic Moves And Developments

7.4. Kabbage, Inc.

7.4.1. Company Overview
7.4.2. Company Snapshot
7.4.3. Operating Business Segments
7.4.4. Business Performance
7.4.5. Key Strategic Moves And Developments

7.5. Lendingclub Corporation

7.5.1. Company Overview
7.5.2. Company Snapshot
7.5.3. Operating Business Segments
7.5.4. Business Performance
7.5.5. Key Strategic Moves And Developments

7.6. Ondeck Capital, Inc.

7.6.1. Company Overview
7.6.2. Operating Business Segments
7.6.3. Business Performance
7.6.4. Key Strategic Moves And Developments

7.7. Prosper Marketplace, Inc.

7.7.1. Company Overview
7.7.2. Operating Business Segments
7.7.3. Key Strategic Moves And Developments

7.8. Ratesetter

7.8.1. Company Overview
7.8.2. Operating Business Segments

7.9. Social Finance, Inc.

7.9.1. Company Overview
7.9.2. Company Snapshot
7.9.3. Operating Business Segments
7.9.4. Business Performance
7.9.5. Key Strategic Moves And Developments

7.10. Zopa Limited

7.10.1. Company Overview
7.10.2. Operating Business Segments
7.10.3. Business Performance
7.10.4. Key Strategic Moves And Developments
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FEATURED COMPANIES

  • Avant, Inc.
  • Circleback Lending, LLC.
  • Funding Circle Limited
  • Kabbage, Inc.
  • LendingClub Corporation
  • onDeck Capital, Inc.
  • MORE
According to a new report titled, Peer to peer Lending by End-User Types and Business Model type: Global Opportunity Analysis and Industry Forecast, 2014-2022, the peer to peer (P2P) lending market was valued at $26,064 million in 2015 and is projected to reach $460,312 million by 2022, growing at a CAGR of 51.5% from 2016 to 2022. In 2015, small business loans dominated the market, whereas consumer credit loans is anticipated to grow at a robust rate, in terms of market share.

Alternative marketplace lending or P2P lending market, which is also referred to as social lending, person-to-person lending, microfinance and microloans, is a non-traditional form of lending money. Alternative marketplace lending is in contrast with the traditional lending method, where the bank or other financial institution offer loans to individuals or small and medium businesses.

Increase in awareness about the benefits of peer to peer lending market, greater money transparency, higher returns to investors, lower interest rates for borrowers, rise in small business loans, consumer credit loans and increasing Chinese P2P lending market share are the major factors that drive the market growth. Global players such as LendingClub Limited, Prosper. Inc., and Zopa have come up with user friendly online lending platforms to cater to customers and expand their market share. Additionally, these players have kept their lending interest rates lower than traditional banks and offer better return to investors.

Small business loan segment, under end-user type, accounted for 32% of the overall peer to peer lending market in 2015, followed by student loans. Additionally, consumer credit loans segment has high growth potential, and is anticipated to grow at a CAGR of 52.6% during the forecast period. Growth in small scale business in developing economies, lower market risks and loan availability for small debt payoffs, thus driving the growth of the small business loan segment across the world.

Key Findings of the Peer to Peer Lending Market

Increase in P2P lending awareness, better interest rates to borrowers and improved returns to lenders have accelerated the growth of the overall peer to peer lending industry.
North America is leading the peer to peer lending market, followed by Asia-Pacific.
Asia- Pacific would witness the highest CAGR of 54.1% mainly led by China, owing to emergence of a number of small scale peer to peer lending service providers.
Peer to peer lending platforms are most suitable for small scale business and consumer credit loans.
Alternate lending market which includes crowdfunding, marketplace lending, hedge funding is to increase during the forecast period due to better services, importance of small scale loans, and greater transparency.
North America generated the highest revenue in 2015, and is projected to dominate the market throughout the analysis period. However, Asia-Pacific is expected to witness the fastest growth rate, owing to emerging economies such as China.

Key players profiled in this report include LendingClub Corporation (U.S.), Funding Circle Limited (London), Prosper Marketplace, Inc. (U.S.), Circleback Lending, Inc. (U.S.), Social Finance, Inc. (U.S.), Zopa Limited (London), Avant, Inc. (U.S.), onDeck Capital, Inc.(U.S.), RateSetter (London), Kabbage (U.S.).
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  • LendingClub Corporation
  • Funding Circle Limited
  • Prosper Marketplace, Inc.
  • Circleback Lending, LLC.
  • Social Finance, Inc.
  • Zopa Limited
  • Avant, Inc.
  • onDeck Capital, Inc.
  • RateSetter
  • Kabbage, Inc.
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