Alternative Lending

United States

Highlights
Market definition
in-scope / out-of-scope
Reports special
  • Total Transaction Value in the Alternative Lending segment amounts to US$54,704m in 2018.
  • Total Transaction Value is expected to show an annual growth rate (CAGR 2018-2022) of 18.6% resulting in the total amount of US$108,223.9m by 2022.
  • The market's largest segment is Marketplace Lending (Personal) with a total transaction value of US$33,344.3m in 2018.
  • From a global comparison perspective it is shown that the highest cumulated transaction value is reached in China (US$425,564m in 2018).
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The Alternative Lending market segment relates to digital financial services for business customers as well as private borrowers. The market includes bank-independent loan allocation for SMEs (Crowdlending) and for personal loans (Marketplace Lending or so-called Peer-to-Peer lending) through private or institutional investors via online platforms (e.g. OnDeck, LendingClub, Prosper). In view of processing complexity, this market is focused on small and medium-sized enterprises (SMEs), freelancers and private persons. Bank financing is not considered, neither are any financial aspects that reach beyond the scope of small and medium-sized enterprises or donation-based Crowdfunding models.
in-scope
  • Alternative lending for SMEs and freelancers (bank-independent loans)
  • Online marketplaces for personal loan applications and private investors
  • Peer-to-Peer loans with interest rates depending on internal credit scoring of the platform provider
out-of-scope
  • Traditional bank loans
  • Traditional venture capital investments by institutional or private investors
  • Reward-based Crowdfunding (see Crowdfunding)
  • Equity-based Crowdfunding (see Crowdinvesting)
FinTech Report 2018 - Alternative Lending

FinTech Report 2018 - Alternative Lending

Statista Digital Market Outlook - Segment Report
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Transaction Value (2018)
+34.3% yoy
US$54,704.3m
Number of Loans (2018)
+28.7% yoy
3,900.5 thousand

Transaction Value Transaction Value Growth

in the Alternative Lending market in million US$ in percent

Reading Support Total Transaction Value in the Alternative Lending segment amounts to US$54,704m in 2018. Reading Support The Crowdlending (Business) segment is expected to show a transaction value growth of 32.9% in 2019.

  • Transaction Value
  • Transaction Value Growth
Info

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 Alternative Lending 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.

Info

Loans:

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

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

in the Alternative Lending market in US$

Reading Support The average funding per loan in the Crowdlending (Business) segment amounts to US$41,429 in 2018.

Info

Average Funding per Loan:

The box shows the average amount of funding per successfully funded loan in the selected market (market segment, region). The volume refers to the overall funding 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 Alternative Lending market in million US$

Reading Support With a total transaction value of US$425,564m in 2018, the highest value worldwide is reached in China.

Info

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)
Internet Penetration in %
Percentage of individuals from the total population using the internet on a monthly basis. | Source: Statista Analysis
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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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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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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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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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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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Smartphone Penetration in %
Percentage of individuals from the total population using a smartphone on a monthly basis. | Source: Statista Analysis
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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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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, September 2018
Source: Statista, September 2018, based on IMF, World Bank, UN and Eurostat
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