Crowdlending (Business)

United States

Highlights
Market definition
in-scope / out-of-scope
Reports special
  • Transaction Value in the "Crowdlending (Business)" segment amounts to US$21,247m in 2018.
  • Transaction Value is expected to show an annual growth rate (CAGR 2018-2022) of 22.7% resulting in the total amount of US$48,217.5m in 2022.
  • The average funding per campaign in the "Crowdlending (Business)" segment amounts to US$41,209 in 2018.
  • From a global comparison perspective it is shown that the highest transaction value is reached in China (US$347,839m in 2018).
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Crowdlending platforms (also: lending-based Crowdfunding) enable small and medium-sized enterprises to get loans from single or multiple, private and institutional investors via an online brokering platform. On credit platforms such as Funding Circle, OnDeck, Kabbage and Lending Club, businesses can obtain small loans up to a set maximum value. As a rule, financing requests are analyzed by the provider via an internal scoring system and are checked against additional minimum requirements such as turnover. Subsequently, these financing requests can be invested in by private and institutional investors at an appropriate interest rate determined by the credit rating of the company. This makes it possible for SMEs to borrow quickly and easily, as the basic requirements for obtaining finance are more flexible compared to traditional bank loans.

Online marketplaces, price comparison sites for bank loans and loans to companies which cannot be counted as SMEs are not included in this segment.
in-scope
  • Alternative financing for SMEs and freelancers (bank-independent loans)
  • Small business loans issued by single or multiple private and institutional investors (non-banks)
  • Online loan request, scoring and approval
out-of-scope
  • Traditional bank loans
  • Consumer loans and credit card transactions
  • Business-to-Business credit scoring and rating services
  • Online marketplaces for consumer loans (see Marketplace Lending)
FinTech Report 2018 - Alternative Lending

FinTech Report 2018 - Alternative Lending

Statista Digital Market Outlook - Segment Report
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Transaction Value (2018)
+43.1% yoy
US$21,246.7m
Number of Loans (2018)
+44.6% yoy
515.6 thousand

Transaction Value Transaction Value Growth

in the Crowdlending (Business) market in million US$ in percent

Reading Support Total Transaction Value in the "Crowdlending (Business)" segment amounts to US$21,247m in 2018. Reading Support The "Crowdlending (Business)" segment is expected to show a transaction value growth of 33.2% in 2019.

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  • Transaction Value
  • Transaction Value Growth
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Transaction Value:

The "Transaction Value" box shows the forecasted value of transactions in the selected market (market segment, region) for each year. The figures do not refer to the actual revenue that is generated by the processing companies.


Transaction Value Growth:

The "Transaction Value Growth" box shows the year-over-year development of the transaction value in the selected market (market segment, region) in percentage terms.

A definition and detailed explanation of the displayed markets can be found here.
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Number of Loans

in the Crowdlending (Business) market in thousand

Reading Support In the "Crowdlending (Business)" segment, the number of successfully funded alternative loans is expected to amount to 1,215.3 thousand by 2022.

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Loans:

The box shows the number of successfully funded alternative loans (within the last 12 months) in the selected market and the selected region.

A definition and detailed explanation of the displayed markets can be found here.
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av. Funding per Loan

in the Crowdlending (Business) market in US$

Reading Support The average funding per loan in the "Crowdlending (Business)" segment amounts to US$41,209 in 2018.

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Average Funding per Loan:

The box shows the average funding per successfully funded alternative loan in the selected market (market segment, region). The volume refers to the overall fundings in the respective segment proportionally to the number of successfully funded loans in a one-year period.

A definition and detailed explanation of the displayed markets can be found here.
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Global Comparison - Transaction Value

in the Crowdlending (Business) market in million US$

Reading Support With a total transaction value of US$347,839m in 2018, the highest value worldwide is reached in China.

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Top Countries
China
United States
United Kingdom
Japan
Israel
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Global Comparison – Transaction Value:

The box shows a comparison of transaction values for 50 of the world's leading digital economies in the selected market (market segment, region) and year.


A definition and detailed explanation of the displayed markets can be found here.
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Key Market Indicators

The following Key Market Indicators give an overview of the demographic, economic and technological development of the selected region on the basis of general KPIs. The calculation of Statista’s Market Outlook is based on a complex market-driver logic including over 400 region-specific data sets.

2016201720182019202020212022 CAGR
(2016-2022)
Mobile Phones Volume / Capita in units
Average per capita sales of mobile phones in units | Source: Statista Analysis
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Laptops Volume / Capita in units
Average per capita sales of laptops and tablets in units. | Source: Statista Analysis
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Desktop-PCs Volume / Capita in units
Average per capita sales of Desktop-PCs in units. | Source: Statista Analysis
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Mobile Phones Revenue / Capita in US$
Average revenue of mobile phones per capita | Source: Statista Analysis
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Laptops Revenue / Capita in US$
Average revenue of laptops and tablets per capita. | Source: Statista Analysis
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Desktop-PC Revenue / Capita in US$
Average revenue of Desktop-PCs per capita. | Source: Statista Analysis
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New registered companies
Number of newly established and registered companies (within the past 12 months) in the selected region. | Source: OECD, Eurostat, Statista Analysis
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Smartphone Penetration in %
Percentage of individuals from the total population using a smartphone on a monthly basis. | Source: Statista Analysis
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Internet Penetration in %
Percentage of individuals from the total population using the internet on a monthly basis. | Source: Statista Analysis
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Consumer Spending / Capita in US$
Average consumer spending per capita of private households in the selected region | Source: Statista Analysis, based on UN, World Bank, IMF, Eurostat and national statistical offices
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GDP / Capita in US$
Gross domestic product of the selected region in relation to the total population. | Source: IMF
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Households in m
Total number of households in the selected region. | Source: Statista Analysis
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Population in m
Number of individuals (all ages) living in the selected region. | Source: World Bank, Statista Analysis
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0-15 years in m
Number of individuals (age 0-15) living in the selected region. | Source: World Bank, Statista Analysis
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16-24 years in m
Number of individuals (age 16-24) living in the selected region. | Source: World Bank, Statista Analysis
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25-34 years in m
Number of individuals (age 25-34) living in the selected region. | Source: World Bank, Statista Analysis
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35-44 years in m
Number of individuals (age 35-44) living in the selected region. | Source: World Bank, Statista Analysis
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45-54 years in m
Number of individuals (age 45-54) living in the selected region. | Source: World Bank, Statista Analysis
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55+ years in m
Number of individuals (age 55 and older) living in the selected region. | Source: World Bank, Statista Analysis
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Telecommunication
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Average Connection Speed in kbits/s
Average internet connection speed in Kbits/s. | Source: Akamai, Statista Analysis
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Fixed Broadband Subscription / 100 Capita
Number of fixed broadband subscriptions per 100 inhabitants. | Source: World Bank, Statista Analysis
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Finance
Click arrow to expand
Online Banking Penetration in %
Percentage of individuals (total population over 16 years) using online-banking services at least once a year (e.g. bank transfers, account information). | Source: Eurostat, Statista Analysis
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Debit Card Penetration in %
Percentage of individuals (total population over 16 years) who own at least one debit card. |Source: World Bank, Statista Analysis
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Source: Statista, July 2018
Source: Statista, July 2018, based on IMF, World Bank, UN and Eurostat
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