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Report
Peer to Peer (P2P) Lending Market: Global Industry Trends, Share, Size, Growth, Opportunity and Forecast 2023-2028
Market Report I 2023-05-29 I 143 Pages I IMARC Group
Market Overview:
The global peer to peer (P2P) lending market size reached US$ 147.9 Billion in 2022. Looking forward, IMARC Group expects the market to reach US$ 626.5 Billion by 2028, exhibiting a growth rate (CAGR) of 26.1% during 2023-2028.
Peer-to-peer (P2P) lending refers to an online monetary arrangement between individuals and businesses without involving banks or other financial institutions. It lends money to eligible applicants through online services that connect borrowers directly to lenders or investors. It is a readily available source of capital that allows individuals to get personal, business, or educational loans at low-interest rates and flexible repayment terms. It provides a higher return on investment (ROI) and helps avail convenient, quick, and hassle-free loans with minimal documentation and zero impact on the credit scores. Besides this, P2P lendingfacilitates multiple partner lending and borrowing to diversify investments.
Global Peer to Peer (P2P) Lending Market Trends:
P2P lending platforms eliminate the cost of establishing physical branches, maintenance, and staff and provide minimal risk for both lenders and borrowers. This, in confluence with the expansion of small and medium-sized enterprises (SMEs), represents one of the key factors driving the market. Moreover, the rising need for an alternative financing option that provides minimal charging fees and convenient repayment options is contributing to the market growth. Apart from this, various technological advancements, such as the development of smart contracts on blockchain technology that provide reliable and transparent borrowing and lending facilities, are propelling the market growth. Moreover, the shifting consumer preferences toward online loans to avoid the hefty documentation process and lengthy lending procedures are stimulating market growth. Furthermore, the increasing number of studentsstudying abroad is catalyzing the demand for educational loans.Besides this, the rapid digitization of the banking, financial services, and insurance (BFSI) industry and the increasing real estate lending are anticipated to positively influence the global peer to peer (P2P) market size.
Key Market Segmentation:
IMARC Group provides an analysis of the key trends in each sub-segment of the global peer to peer (P2P) lending market report, along with forecasts at the global, regional and country level from 2023-2028. Our report has categorized the market based on loan type, business model and end user.
Breakup by Loan Type:
Consumer Lending
Business Lending
Business lending holds the majority of the global peer-to-peer (P2P) lending market share due to expanding business operations globally and high return on investment (ROI) on P2P loans.
Breakup by Business Model:
Marketplace Lending
Traditional Lending
Traditional lending currently dominates the market as it helps borrowers avail quick and convenient loans.
Breakup by End User:
Consumer (Individual/Households)
Small Businesses
Large Businesses
Real Estate
Others
Small businesses exhibit a clear dominance in the market as P2P lending platforms allow them to borrow loans directly from investors at low-interest rates.
Breakup by Region:
North America
United States
Canada
Asia Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
North America holds the majority of themarket share due to the presence of big businesses and giant corporations in the region.
Competitive Landscape:
The report has also analysed the competitive landscape of the market with some of the key players being Avant Inc., Commonbond Inc., Funding Circle Ltd., LendingClub Corporation, Lendingtree Inc. (InterActiveCorp and Tree.com Inc.), On Deck Capital Inc., Prosper Marketplace Inc., Retail Money Market Ltd., Social Finance Inc., Upstart Network Inc. and Zopa Limited.
Key Questions Answered in This Report:
How has the global peer to peer (P2P) lending market performed so far and how will it perform in the coming years?
What has been the impact of COVID-19 on the global peer to peer (P2P) lending market?
What are the key regional markets?
What is the breakup of the market based on the loan type?
What is the breakup of the market based on the business model?
What is the breakup of the market based on the end user?
What are the various stages in the value chain of the industry?
What are the key driving factors and challenges in the industry?
What is the structure of the global peer to peer (P2P) lending market and who are the key players?
What is the degree of competition in the industry?
1 Preface
2 Scope and Methodology
2.1 Objectives of the Study
2.2 Stakeholders
2.3 Data Sources
2.3.1 Primary Sources
2.3.2 Secondary Sources
2.4 Market Estimation
2.4.1 Bottom-Up Approach
2.4.2 Top-Down Approach
2.5 Forecasting Methodology
3 Executive Summary
4 Introduction
4.1 Overview
4.2 Key Industry Trends
5 Global Peer to Peer (P2P) Lending Market
5.1 Market Overview
5.2 Market Performance
5.3 Impact of COVID-19
5.4 Market Forecast
6 Market Breakup by Loan Type
6.1 Consumer Lending
6.1.1 Market Trends
6.1.2 Market Forecast
6.2 Business Lending
6.2.1 Market Trends
6.2.2 Market Forecast
7 Market Breakup by Business Model
7.1 Marketplace Lending
7.1.1 Market Trends
7.1.2 Market Forecast
7.2 Traditional Lending
7.2.1 Market Trends
7.2.2 Market Forecast
8 Market Breakup by End User
8.1 Consumer (Individual/Households)
8.1.1 Market Trends
8.1.2 Market Forecast
8.2 Small Businesses
8.2.1 Market Trends
8.2.2 Market Forecast
8.3 Large Businesses
8.3.1 Market Trends
8.3.2 Market Forecast
8.4 Real Estate
8.4.1 Market Trends
8.4.2 Market Forecast
8.5 Others
8.5.1 Market Trends
8.5.2 Market Forecast
9 Market Breakup by Region
9.1 North America
9.1.1 United States
9.1.1.1 Market Trends
9.1.1.2 Market Forecast
9.1.2 Canada
9.1.2.1 Market Trends
9.1.2.2 Market Forecast
9.2 Asia Pacific
9.2.1 China
9.2.1.1 Market Trends
9.2.1.2 Market Forecast
9.2.2 Japan
9.2.2.1 Market Trends
9.2.2.2 Market Forecast
9.2.3 India
9.2.3.1 Market Trends
9.2.3.2 Market Forecast
9.2.4 South Korea
9.2.4.1 Market Trends
9.2.4.2 Market Forecast
9.2.5 Australia
9.2.5.1 Market Trends
9.2.5.2 Market Forecast
9.2.6 Indonesia
9.2.6.1 Market Trends
9.2.6.2 Market Forecast
9.2.7 Others
9.2.7.1 Market Trends
9.2.7.2 Market Forecast
9.3 Europe
9.3.1 Germany
9.3.1.1 Market Trends
9.3.1.2 Market Forecast
9.3.2 France
9.3.2.1 Market Trends
9.3.2.2 Market Forecast
9.3.3 United Kingdom
9.3.3.1 Market Trends
9.3.3.2 Market Forecast
9.3.4 Italy
9.3.4.1 Market Trends
9.3.4.2 Market Forecast
9.3.5 Spain
9.3.5.1 Market Trends
9.3.5.2 Market Forecast
9.3.6 Russia
9.3.6.1 Market Trends
9.3.6.2 Market Forecast
9.3.7 Others
9.3.7.1 Market Trends
9.3.7.2 Market Forecast
9.4 Latin America
9.4.1 Brazil
9.4.1.1 Market Trends
9.4.1.2 Market Forecast
9.4.2 Mexico
9.4.2.1 Market Trends
9.4.2.2 Market Forecast
9.4.3 Others
9.4.3.1 Market Trends
9.4.3.2 Market Forecast
9.5 Middle East and Africa
9.5.1 Market Trends
9.5.2 Market Breakup by Country
9.5.3 Market Forecast
10 SWOT Analysis
10.1 Overview
10.2 Strengths
10.3 Weaknesses
10.4 Opportunities
10.5 Threats
11 Value Chain Analysis
12 Porters Five Forces Analysis
12.1 Overview
12.2 Bargaining Power of Buyers
12.3 Bargaining Power of Suppliers
12.4 Degree of Competition
12.5 Threat of New Entrants
12.6 Threat of Substitutes
13 Price Analysis
14 Competitive Landscape
14.1 Market Structure
14.2 Key Players
14.3 Profiles of Key Players
14.3.1 Avant Inc.
14.3.1.1 Company Overview
14.3.1.2 Product Portfolio
14.3.2 Commonbond Inc.
14.3.2.1 Company Overview
14.3.2.2 Product Portfolio
14.3.3 Funding Circle Ltd.
14.3.3.1 Company Overview
14.3.3.2 Product Portfolio
14.3.3.3 Financials
14.3.4 LendingClub Corporation
14.3.4.1 Company Overview
14.3.4.2 Product Portfolio
14.3.4.3 Financials
14.3.4.4 SWOT Analysis
14.3.5 Lendingtree Inc. (InterActiveCorp and Tree.com Inc.)
14.3.5.1 Company Overview
14.3.5.2 Product Portfolio
14.3.5.3 Financials
14.3.6 On Deck Capital Inc.
14.3.6.1 Company Overview
14.3.6.2 Product Portfolio
14.3.6.3 Financials
14.3.7 Prosper Marketplace Inc.
14.3.7.1 Company Overview
14.3.7.2 Product Portfolio
14.3.8 Retail Money Market Ltd.
14.3.8.1 Company Overview
14.3.8.2 Product Portfolio
14.3.8.3 Financials
14.3.9 Social Finance Inc.
14.3.9.1 Company Overview
14.3.9.2 Product Portfolio
14.3.10 Zopa Limited
14.3.10.1 Company Overview
14.3.10.2 Product Portfolio
14.3.10.3 Financials
14.3.11 Upstart Network Inc.
14.3.11.1 Company Overview
14.3.11.2 Product Portfolio
14.3.11.3 Financials
?
Figure 1: Global: Peer to Peer (P2P) Lending Market: Major Drivers and Challenges
Figure 2: Global: Peer to Peer (P2P) Lending Market: Sales Value (in Billion US$), 2017-2022
Figure 3: Global: Peer to Peer (P2P) Lending Market: Breakup by Loan Type (in %), 2022
Figure 4: Global: Peer to Peer (P2P) Lending Market: Breakup by Business Model (in %), 2022
Figure 5: Global: Peer to Peer (P2P) Lending Market: Breakup by End User (in %), 2022
Figure 6: Global: Peer to Peer (P2P) Lending Market: Breakup by Region (in %), 2022
Figure 7: Global: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Billion US$), 2023-2028
Figure 8: Global: Peer to Peer (P2P) Lending (Consumer Lending) Market: Sales Value (in Million US$), 2017 & 2022
Figure 9: Global: Peer to Peer (P2P) Lending (Consumer Lending) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 10: Global: Peer to Peer (P2P) Lending (Business Lending) Market: Sales Value (in Million US$), 2017 & 2022
Figure 11: Global: Peer to Peer (P2P) Lending (Business Lending) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 12: Global: Peer to Peer (P2P) Lending (Marketplace Lending) Market: Sales Value (in Million US$), 2017 & 2022
Figure 13: Global: Peer to Peer (P2P) Lending (Marketplace Lending) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 14: Global: Peer to Peer (P2P) Lending (Traditional Lending) Market: Sales Value (in Million US$), 2017 & 2022
Figure 15: Global: Peer to Peer (P2P) Lending (Traditional Lending) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 16: Global: Peer to Peer (P2P) Lending (Consumer- Individual/Households) Market: Sales Value (in Million US$), 2017 & 2022
Figure 17: Global: Peer to Peer (P2P) Lending (Consumer- Individual/Households) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 18: Global: Peer to Peer (P2P) Lending (Small Businesses) Market: Sales Value (in Million US$), 2017 & 2022
Figure 19: Global: Peer to Peer (P2P) Lending (Small Businesses) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 20: Global: Peer to Peer (P2P) Lending (Large Businesses) Market: Sales Value (in Million US$), 2017 & 2022
Figure 21: Global: Peer to Peer (P2P) Lending (Large Businesses) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 22: Global: Peer to Peer (P2P) Lending (Real Estate) Market: Sales Value (in Million US$), 2017 & 2022
Figure 23: Global: Peer to Peer (P2P) Lending (Real Estate) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 24: Global: Peer to Peer (P2P) Lending (Other End Users) Market: Sales Value (in Million US$), 2017 & 2022
Figure 25: Global: Peer to Peer (P2P) Lending (Other End Users) Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 26: North America: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 27: North America: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 28: United States: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 29: United States: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 30: Canada: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 31: Canada: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 32: Asia Pacific: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 33: Asia Pacific: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 34: China: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 35: China: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 36: Japan: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 37: Japan: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 38: India: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 39: India: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 40: South Korea: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 41: South Korea: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 42: Australia: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 43: Australia: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 44: Indonesia: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 45: Indonesia: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 46: Others: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 47: Others: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 48: Europe: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 49: Europe: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 50: Germany: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 51: Germany: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 52: France: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 53: France: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 54: United Kingdom: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 55: United Kingdom: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 56: Italy: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 57: Italy: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 58: Spain: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 59: Spain: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 60: Russia: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 61: Russia: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 62: Others: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 63: Others: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 64: Latin America: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 65: Latin America: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 66: Brazil: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 67: Brazil: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 68: Mexico: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 69: Mexico: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 70: Others: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 71: Others: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 72: Middle East and Africa: Peer to Peer (P2P) Lending Market: Sales Value (in Million US$), 2017 & 2022
Figure 73: Middle East and Africa: Peer to Peer (P2P) Lending Market Forecast: Sales Value (in Million US$), 2023-2028
Figure 74: Global: Peer to Peer (P2P) Lending Industry: SWOT Analysis
Figure 75: Global: Peer to Peer (P2P) Lending Industry: Value Chain Analysis
Figure 76: Global: Peer to Peer (P2P) Lending Industry: Porter's Five Forces Analysis
Table 1: Global: Peer to Peer (P2P) Lending Market: Key Industry Highlights, 2022 and 2028
Table 2: Global: Peer to Peer (P2P) Lending Market Forecast: Breakup by Loan Type (in Million US$), 2023-2028
Table 3: Global: Peer to Peer (P2P) Lending Market Forecast: Breakup by Business Model (in Million US$), 2023-2028
Table 4: Global: Peer to Peer (P2P) Lending Market Forecast: Breakup by End User (in Million US$), 2023-2028
Table 5: Global: Peer to Peer (P2P) Lending Market Forecast: Breakup by Region (in Million US$), 2023-2028
Table 6: Global: Peer to Peer (P2P) Lending Market Structure
Table 7: Global: Peer to Peer (P2P) Lending Market: Key Players
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