Debt Based Peer-to-Peer (P2P) Crowdfunding Market Report 2026

The debt based peer-to-peer (p2p) crowdfunding market size has grown rapidly in recent years. It will grow from $5.43 billion in 2025 to $6.36 billion in 2026 at a compound annual growth rate (CAGR) of 17.1%. The growth in the historic period can be attributed to increasing demand for alternative financing, expansion of online lending ecosystems, rising participation of retail investors, growth of small business financing needs, increasing internet and smartphone penetration.

The debt based peer-to-peer (p2p) crowdfunding market size is expected to see rapid growth in the next few years. It will grow to $11.83 billion in 2030 at a compound annual growth rate (CAGR) of 16.8%. The growth in the forecast period can be attributed to increasing regulatory oversight of p2p lending, rising adoption of blockchain-based lending platforms, expansion of cross-border lending services, growing use of data-driven borrower profiling, increasing demand for transparent investment platforms. Major trends in the forecast period include expansion of digital lending platforms, rising adoption of automated credit scoring models, growing integration of ai-based risk assessment, increasing use of mobile-first lending applications, enhanced focus on platform transparency and trust.

The increasing fintech activities are expected to drive the growth of the debt-based peer-to-peer (P2P) crowdfunding market going forward. Fintech activities refer to technology-driven financial services, such as digital payments, online lending, robo-advisory, and crowdfunding, designed to improve efficiency, accessibility, and user experience in finance. These activities are rising due to the growing demand for faster and more accessible financial services, as consumers and businesses look for alternatives to traditional banking systems. Debt-based P2P crowdfunding platforms contribute to fintech growth by enabling direct digital lending between individuals, bypassing traditional banks. They provide accessible credit to borrowers and higher returns to investors, fostering financial inclusion and innovation in the financial ecosystem. For example, in November 2023, according to the International Trade Administration (ITA), a U.S.-based government agency, the FinTech sector in the UK included over 1,600 firms and is projected to double by 2030. Therefore, increasing fintech activities are fueling the growth of the debt-based P2P crowdfunding market.

The rapid growth of start-ups is anticipated to drive the expansion of the debt-based peer-to-peer (P2P) crowdfunding market. Start-ups are newly established businesses, typically in the early stages of development, that aim to introduce innovative products or services to the market. Their growth is fueled by improved access to digital technology, enabling entrepreneurs to launch and scale operations cost-effectively through affordable internet, cloud services, and online platforms without significant infrastructure investments. Debt-based P2P crowdfunding facilitates start-up growth by providing quick and accessible funding without the need to rely on traditional banks. This allows entrepreneurs to secure capital efficiently, fostering innovation and accelerating business development during the early stages. For instance, in February 2025, the NatWest Group, a UK-based insurance company, reported that the UK had 5.63 million active companies registered with Companies House in 2024, marking a 3% increase compared to 2023. Therefore, the rapid expansion of start-ups is contributing to the growth of the debt-based P2P crowdfunding market.

Major companies in the debt-based peer-to-peer (P2P) crowdfunding market are concentrating on developing advanced solutions, such as daily-earning loan structures, to improve liquidity and provide predictable income streams for investors. A daily-earning loan structure allows lenders to receive interest and principal repayments on a daily basis, directly credited to their bank accounts. For example, in January 2025, LenDenClub Techserve Private Limited, an India-based P2P lending platform, launched its Daily Earning Loans product tailored for individual lenders. This product enables investors to start earning interest from the very next day on loans with tenures beginning at nine months. Lenders can invest as little as ₹250 and choose from hundreds of borrowers on the platform. Interest and principal repayments are credited daily, providing a steady cash flow suitable for everyday expenses or regular income. The company notes that its system is capable of handling large-scale transactions, allowing for the complex processing of daily EMIs from borrowers to lenders.

Major companies operating in the debt based peer-to-peer (p2p) crowdfunding market are LendingClub Corporation, Upstart Network Inc., Funding Circle Holdings plc, Zopa Bank Limited, Mintos Marketplace AS, LenDenClub, Peerform Inc., LendInvest Limited, Faircent Tech Private Limited, Assetz Capital Limited, Bondora Capital OÜ, Twino LLC, Rebuilding Society Limited, KILDE PTE. LTD., Viainvest SIA, Folk2Folk Limited, Prosper Marketplace Inc., i2iFunding, IndiaP2P, Crowd2Fund Limited.

North America was the largest region in the debt based peer-to-peer (P2P) crowdfunding market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the debt based peer-to-peer (p2p) crowdfunding market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the debt based peer-to-peer (p2p) crowdfunding market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The debt-based peer-to-peer (P2P) crowdfunding market includes revenues earned by entities through facilitating digital lending transactions, offering risk assessment and credit scoring services, managing loan disbursement, enabling investor-borrower matching and related automated repayment processing, fraud detection mechanisms, customer onboarding services, investor portfolio management, and platform scalability and integration support. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

This product will be delivered within 1-3 business days.