Summary

The global alternative lending market was valued at $354.8 billion in 2023, and is projected to reach $1,076.3 billion by 2033, growing at a CAGR of 11.6% from 2024 to 2033. 
Alternative lending refers to loan options available to consumers and businesses other than those options from traditional banks. Fintechs and non-banking companies are increasingly entering the alternative lending market to offer customized lending products designed for specific regions, demographic segments, or industries. It involves non-traditional methods of providing finance, typically outside the scope of traditional banks and financial institutions. This model has become increasingly popular due to its flexibility, speed, and accessibility for borrowers who do meet the standard requirements of traditional lenders. Alternative lending offers a variety of options, such as peer-to-peer lending, crowdfunding, marketplace lending, and online personal loans. 
Factors such as increase in demand for flexible financing options and surge in favorable regulatory changes positively impact the growth of the alternative lending market. In addition, rise in peer-to-peer (P2P) lending and crowdfunding lending due to easier access to capital, lower borrowing costs, more inclusive financial services, and surge in trust in fast & transparent online platforms, is expected to fuel the growth of the market during the forecast period. 
Moreover, technological advancements and shift in consumer preferences toward more accessible and efficient lending solutions are expected to positively impact on the growth of the market in the future. However, data privacy & security concerns, credit risk, and loan default are expected to hamper market growth. Furthermore, the expansion of lending platforms creates numerous opportunities in emerging markets by increasing access to credit, boosting financial inclusion and economic growth. Moreover, partnerships and collaboration between traditional banks and alternative lenders are expected to offer remunerative opportunities for the expansion of the global market during the forecast period.
On the other hand, the integration of AI, blockchain, and data analytics in lending platforms is expected to provide lucrative growth opportunities for the market in the upcoming years. Moreover, the development of technology to enhance loan decision-making, improve security, and streamline processes is anticipated to create lucrative opportunities for market growth, making solutions faster, more efficient, and more transparent. For instance, in August 2020, Funding Circle Limited collaborated with Santander to support small UK businesses by providing streamlined access to funding.
Segment Review 
The alternative lending market is segmented into type, tenure, end user, and region. By type, the alternative lending market is segmented into peer-to-peer lending, crowdfunding lending, and invoice trading. By tenure, the market is segregated into short-term, mid-term, and long-term. By end user, the market is divided into individual and businesses. Region wise, it is analyzed across North America, Europe, Asia-Pacific, and LAMEA.
Key Findings 
By type, the peer-to-peer lending segment accounted for the largest alternative lending market size in 2023.
By tenure, the mid-term segment accounted for the largest alternative lending market share in 2023.
By end user, the businesses segment accounted for the largest market share in 2023.
Region-wise, North America generated the highest revenue in 2023.
Competition Analysis 
The market players operating in the alternative lending market are Funding Circle Limited, Prosper Funding LLC, Affirm, Inc., Upstart, OnDeck, Bluevine Inc, Fundbox, capify, MoneyLion Inc, Biz2Credit, Clearco, Kiva, Crowd2Fund, Loanpad, American Express Company, Tala, LendingClub, LenDenClub, Bond Street Servicing, LLC, and Planethome Investment AG. These major players have adopted various key development strategies such as business expansion, new product launches, and partnerships, which help to drive the growth of the alternative lending market globally.
Key Benefits for Stakeholders
This report provides a quantitative analysis of the market segments, current trends, estimations, and dynamics of the alternative lending market analysis from 2023 to 2033 to identify the prevailing alternative lending market opportunities.
The market research is offered along with information related to key drivers, restraints, and opportunities.
Porter's five forces analysis highlights the potency of buyers and suppliers to enable stakeholders make profit-oriented business decisions and strengthen their supplier-buyer network.
In-depth analysis of the alternative lending market segmentation assists to determine the prevailing market opportunities.
Major countries in each region are mapped according to their revenue contribution to the global market.
Market player positioning facilitates benchmarking and provides a clear understanding of the present position of the market players.
The report includes the analysis of the regional as well as global alternative lending market trends, key players, market segments, application areas, and market growth strategies.

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● Additional company profiles with specific to client's interest
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● Expanded list for Company Profiles
● Historic market data
● Market share analysis of players at global/region/country level
● SWOT Analysis
Key Market Segments
By Type
● Crowdfunding
● Invoice Trading
● Peer-to-Peer Lending
By Tenure
● Short-term
● Mid-term
● Long-term
By End Users
● Individual
● Businesses
By Region
● North America
○ U.S.
○ Canada
● Europe
○ UK
○ Germany
○ France
○ Italy
○ Spain
○ Rest of Europe
● Asia-Pacific
○ China
○ Japan
○ India
○ Australia
○ South Korea
○ Rest of Europe
● LAMEA
○ Latin America
○ Middle East
○ Africa
● Key Market Players
○ OnDeck
○ Bluevine Inc
○ Fundbox
○ Clearco
○ Kiva
○ LenDenClub
○ Capify
○ Bond Street Servicing, LLC
○ Loanpad Limited
○ Upstart Network, Inc.
○ Tala
○ Funding Circle Limited
○ American Express Company
○ Affirm, Inc.
○ Biz2Credit
○ LendingClub
○ PlanetHome Investment AG
○ Crowd2Fund Limited
○ MoneyLion Inc.
○ Prosper Funding LLC

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Table of Contents

CHAPTER 1: INTRODUCTION
1.1. Report description
1.2. Key market segments
1.3. Key benefits to the stakeholders
1.4. Research methodology
1.4.1. Primary research
1.4.2. Secondary research
1.4.3. 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
3.3. Porter’s five forces analysis
3.3.1. Low bargaining power of suppliers
3.3.2. Low threat of new entrants
3.3.3. Low threat of substitutes
3.3.4. Low intensity of rivalry
3.3.5. Low bargaining power of buyers
3.4. Market dynamics
3.4.1. Drivers
3.4.1.1. Rise of peer-to-peer (P2P) and crowdfunding
3.4.1.2. Increasing demand for flexible financing options
3.4.1.3. Surge in favorable regulatory changes
3.4.2. Restraints
3.4.2.1. Data privacy and security concerns
3.4.2.2. Credit risk and loan default in alternative lending
3.4.3. Opportunities
3.4.3.1. Integration of AI, blockchain, and data analytics
CHAPTER 4: ALTERNATIVE LENDING MARKET, BY TYPE
4.1. Overview
4.1.1. Market size and forecast
4.2. Peer-to-Peer Lending
4.2.1. Key market trends, growth factors and opportunities
4.2.2. Market size and forecast, by region
4.2.3. Market share analysis by country
4.3. Crowdfunding
4.3.1. Key market trends, growth factors and opportunities
4.3.2. Market size and forecast, by region
4.3.3. Market share analysis by country
4.4. Invoice Trading
4.4.1. Key market trends, growth factors and opportunities
4.4.2. Market size and forecast, by region
4.4.3. Market share analysis by country
CHAPTER 5: ALTERNATIVE LENDING MARKET, BY TENURE
5.1. Overview
5.1.1. Market size and forecast
5.2. Short-term
5.2.1. Key market trends, growth factors and opportunities
5.2.2. Market size and forecast, by region
5.2.3. Market share analysis by country
5.3. Mid-term
5.3.1. Key market trends, growth factors and opportunities
5.3.2. Market size and forecast, by region
5.3.3. Market share analysis by country
5.4. Long-term
5.4.1. Key market trends, growth factors and opportunities
5.4.2. Market size and forecast, by region
5.4.3. Market share analysis by country
CHAPTER 6: ALTERNATIVE LENDING MARKET, BY END USERS
6.1. Overview
6.1.1. Market size and forecast
6.2. Individual
6.2.1. Key market trends, growth factors and opportunities
6.2.2. Market size and forecast, by region
6.2.3. Market share analysis by country
6.3. Businesses
6.3.1. Key market trends, growth factors and opportunities
6.3.2. Market size and forecast, by region
6.3.3. Market share analysis by country
CHAPTER 7: ALTERNATIVE LENDING MARKET, BY REGION
7.1. Overview
7.1.1. Market size and forecast By Region
7.2. North America
7.2.1. Key market trends, growth factors and opportunities
7.2.2. Market size and forecast, by Type
7.2.3. Market size and forecast, by Tenure
7.2.4. Market size and forecast, by End Users
7.2.5. Market size and forecast, by country
7.2.5.1. U.S.
7.2.5.1.1. Market size and forecast, by Type
7.2.5.1.2. Market size and forecast, by Tenure
7.2.5.1.3. Market size and forecast, by End Users
7.2.5.2. Canada
7.2.5.2.1. Market size and forecast, by Type
7.2.5.2.2. Market size and forecast, by Tenure
7.2.5.2.3. Market size and forecast, by End Users
7.3. Europe
7.3.1. Key market trends, growth factors and opportunities
7.3.2. Market size and forecast, by Type
7.3.3. Market size and forecast, by Tenure
7.3.4. Market size and forecast, by End Users
7.3.5. Market size and forecast, by country
7.3.5.1. UK
7.3.5.1.1. Market size and forecast, by Type
7.3.5.1.2. Market size and forecast, by Tenure
7.3.5.1.3. Market size and forecast, by End Users
7.3.5.2. Germany
7.3.5.2.1. Market size and forecast, by Type
7.3.5.2.2. Market size and forecast, by Tenure
7.3.5.2.3. Market size and forecast, by End Users
7.3.5.3. France
7.3.5.3.1. Market size and forecast, by Type
7.3.5.3.2. Market size and forecast, by Tenure
7.3.5.3.3. Market size and forecast, by End Users
7.3.5.4. Italy
7.3.5.4.1. Market size and forecast, by Type
7.3.5.4.2. Market size and forecast, by Tenure
7.3.5.4.3. Market size and forecast, by End Users
7.3.5.5. Spain
7.3.5.5.1. Market size and forecast, by Type
7.3.5.5.2. Market size and forecast, by Tenure
7.3.5.5.3. Market size and forecast, by End Users
7.3.5.6. Rest of Europe
7.3.5.6.1. Market size and forecast, by Type
7.3.5.6.2. Market size and forecast, by Tenure
7.3.5.6.3. Market size and forecast, by End Users
7.4. Asia-Pacific
7.4.1. Key market trends, growth factors and opportunities
7.4.2. Market size and forecast, by Type
7.4.3. Market size and forecast, by Tenure
7.4.4. Market size and forecast, by End Users
7.4.5. Market size and forecast, by country
7.4.5.1. China
7.4.5.1.1. Market size and forecast, by Type
7.4.5.1.2. Market size and forecast, by Tenure
7.4.5.1.3. Market size and forecast, by End Users
7.4.5.2. Japan
7.4.5.2.1. Market size and forecast, by Type
7.4.5.2.2. Market size and forecast, by Tenure
7.4.5.2.3. Market size and forecast, by End Users
7.4.5.3. India
7.4.5.3.1. Market size and forecast, by Type
7.4.5.3.2. Market size and forecast, by Tenure
7.4.5.3.3. Market size and forecast, by End Users
7.4.5.4. Australia
7.4.5.4.1. Market size and forecast, by Type
7.4.5.4.2. Market size and forecast, by Tenure
7.4.5.4.3. Market size and forecast, by End Users
7.4.5.5. South Korea
7.4.5.5.1. Market size and forecast, by Type
7.4.5.5.2. Market size and forecast, by Tenure
7.4.5.5.3. Market size and forecast, by End Users
7.4.5.6. Rest of Europe
7.4.5.6.1. Market size and forecast, by Type
7.4.5.6.2. Market size and forecast, by Tenure
7.4.5.6.3. Market size and forecast, by End Users
7.5. LAMEA
7.5.1. Key market trends, growth factors and opportunities
7.5.2. Market size and forecast, by Type
7.5.3. Market size and forecast, by Tenure
7.5.4. Market size and forecast, by End Users
7.5.5. Market size and forecast, by country
7.5.5.1. Latin America
7.5.5.1.1. Market size and forecast, by Type
7.5.5.1.2. Market size and forecast, by Tenure
7.5.5.1.3. Market size and forecast, by End Users
7.5.5.2. Middle East
7.5.5.2.1. Market size and forecast, by Type
7.5.5.2.2. Market size and forecast, by Tenure
7.5.5.2.3. Market size and forecast, by End Users
7.5.5.3. Africa
7.5.5.3.1. Market size and forecast, by Type
7.5.5.3.2. Market size and forecast, by Tenure
7.5.5.3.3. Market size and forecast, by End Users
CHAPTER 8: COMPETITIVE LANDSCAPE
8.1. Introduction
8.2. Top winning strategies
8.3. Product mapping of top 10 player
8.4. Competitive dashboard
8.5. Competitive heatmap
8.6. Top player positioning, 2023
CHAPTER 9: COMPANY PROFILES
9.1. Funding Circle Limited
9.1.1. Company overview
9.1.2. Key executives
9.1.3. Company snapshot
9.1.4. Operating business segments
9.1.5. Product portfolio
9.1.6. Business performance
9.1.7. Key strategic moves and developments
9.2. Prosper Funding LLC
9.2.1. Company overview
9.2.2. Key executives
9.2.3. Company snapshot
9.2.4. Operating business segments
9.2.5. Product portfolio
9.3. Affirm, Inc.
9.3.1. Company overview
9.3.2. Key executives
9.3.3. Company snapshot
9.3.4. Operating business segments
9.3.5. Product portfolio
9.3.6. Business performance
9.4. Upstart Network, Inc.
9.4.1. Company overview
9.4.2. Key executives
9.4.3. Company snapshot
9.4.4. Operating business segments
9.4.5. Product portfolio
9.4.6. Business performance
9.4.7. Key strategic moves and developments
9.5. OnDeck
9.5.1. Company overview
9.5.2. Key executives
9.5.3. Company snapshot
9.5.4. Operating business segments
9.5.5. Product portfolio
9.6. American Express Company
9.6.1. Company overview
9.6.2. Key executives
9.6.3. Company snapshot
9.6.4. Operating business segments
9.6.5. Product portfolio
9.6.6. Business performance
9.6.7. Key strategic moves and developments
9.7. LendingClub
9.7.1. Company overview
9.7.2. Key executives
9.7.3. Company snapshot
9.7.4. Operating business segments
9.7.5. Product portfolio
9.8. Bluevine Inc
9.8.1. Company overview
9.8.2. Key executives
9.8.3. Company snapshot
9.8.4. Operating business segments
9.8.5. Product portfolio
9.8.6. Key strategic moves and developments
9.9. Fundbox
9.9.1. Company overview
9.9.2. Key executives
9.9.3. Company snapshot
9.9.4. Operating business segments
9.9.5. Product portfolio
9.9.6. Key strategic moves and developments
9.10. PlanetHome Investment AG
9.10.1. Company overview
9.10.2. Key executives
9.10.3. Company snapshot
9.10.4. Operating business segments
9.10.5. Product portfolio
9.10.6. Business performance
9.11. Capify
9.11.1. Company overview
9.11.2. Key executives
9.11.3. Company snapshot
9.11.4. Operating business segments
9.11.5. Product portfolio
9.11.6. Key strategic moves and developments
9.12. MoneyLion Inc.
9.12.1. Company overview
9.12.2. Key executives
9.12.3. Company snapshot
9.12.4. Operating business segments
9.12.5. Product portfolio
9.12.6. Business performance
9.13. Biz2Credit
9.13.1. Company overview
9.13.2. Key executives
9.13.3. Company snapshot
9.13.4. Operating business segments
9.13.5. Product portfolio
9.13.6. Business performance
9.13.7. Key strategic moves and developments
9.14. Clearco
9.14.1. Company overview
9.14.2. Key executives
9.14.3. Company snapshot
9.14.4. Operating business segments
9.14.5. Product portfolio
9.14.6. Key strategic moves and developments
9.15. Kiva
9.15.1. Company overview
9.15.2. Key executives
9.15.3. Company snapshot
9.15.4. Operating business segments
9.15.5. Product portfolio
9.15.6. Business performance
9.16. LenDenClub
9.16.1. Company overview
9.16.2. Key executives
9.16.3. Company snapshot
9.16.4. Operating business segments
9.16.5. Product portfolio
9.17. Bond Street Servicing, LLC
9.17.1. Company overview
9.17.2. Key executives
9.17.3. Company snapshot
9.17.4. Operating business segments
9.17.5. Product portfolio
9.18. Crowd2Fund Limited
9.18.1. Company overview
9.18.2. Key executives
9.18.3. Company snapshot
9.18.4. Operating business segments
9.18.5. Product portfolio
9.19. Loanpad Limited
9.19.1. Company overview
9.19.2. Key executives
9.19.3. Company snapshot
9.19.4. Operating business segments
9.19.5. Product portfolio
9.20. Tala
9.20.1. Company overview
9.20.2. Key executives
9.20.3. Company snapshot
9.20.4. Operating business segments
9.20.5. Product portfolio