Overview

Street credit: New industry's explosive growth may meet regulatory hurdles

The Peer-to-Peer Lending Platforms market research report provides key industry analysis and industry statistics, measures market size, analyzes current and future industry trends and shows market share for the industry’s largest companies. IBISWorld publishes the largest collection of industry reports so you can see an industry’s supply chain, economic drivers and key buyers and markets.

REPORT SNAPSHOT

Industry Threats & Opportunities

  • The industry will benefit from increases in corporate profit and aggregate household debt
  • Many entrepreneurs see promise in the industry, as evidenced by the rising number of entrants
  • The industry is relatively new, which subjects it to regulatory change and marketing challenges

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    Industry Analysis & Industry Trends

    In peer-to-peer lending, regular consumers sign up to invest in consumer and small business loans via an intermediary, the lending platform. During the past five years, revenue for the Peer-to-Peer Lending Platforms industry has grown as many consumers and small businesses embraced the concept. However, the industry will continue to experience relatively rocky waters during the five years to 2021 as the industry is relatively new, which subjects it to regulatory and marketing challenges. Though it will not see the dramatic revenue increases of the past five years, the industry can expect strong growth...

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    Industry Report - Industry Key Buyers Chapter

    The Peer-to-Peer Lending Platforms industry has a medium level of market share concentration, with the top four companies in the industry capturing 54.6% of total revenue. In particular, Lending Club captures 35.0% of the industry on its own. Lending Club's high share of the industry is partly due to being one of the first operators to enter this industry, a strong marketing push, and more successful technology to vet borrowers. Barriers to entry into this online-based industry are moderate, with no major capital expenses but with a great deal of technical wherewithal required. The..

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    Additional Insights for the Peer-to-Peer Lending Platforms Industry

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Peer-to-Peer Lending Platforms Industry are

  • Ability to effectively change community behavior
  • Ability to effectively manage risk
  • Ability to quickly adopt new technology
  • IBISWorld analysts also discuss how external factors such as Aggregate household debt and External competition in the Peer-to-Peer Lending Platforms industry impact industry performance..

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    Industry Products

    What is the Peer-to-Peer Lending Platforms Industry?

    Companies in this industry provide peer-to-peer lending, which occurs directly between individuals and organizations without the direct intermediation of a traditional financial institution. In this industry, individuals and organizations pool their money to support the efforts of borrowers, while generating a rate of return for themselves. Crowdfunded fundraising, where collective money supports others with financial donations and without planned repayment, is not part of this industry.

    Industry Products
    Origination fees
    Servicing fees
    Interest income
    Industry Activities
    Offering and investing in personal loans
    Offering and investing in debt consolidation loans
    Offering and investing in short term & bridge loans
    Offering and investing in home improvement loans
    Offering and investing in auto & vehicle loans
    Offering and investing in small business loans
    Offering and investing in green loans

    Table of Contents

    About this Industry
    Industry Definition
    Main Activities
    Similar Industries
    Additional Resources
    Industry at a Glance
    Industry Statistics Snapshot
    Industry Structure
    Executive Summary
    Industry Performance
    Executive Summary
    Key External Drivers
  • Aggregate household debt
  • External competition
  • Prime rate
  • Corporate profit
  • Number of broadband connections

  • Current Performance
  • Industry crawls, then sprints
  • Changing composition
  • Regulation remains a challenge
  • Chart: Revenue Growth

  • Industry Outlook
  • Interest rates to rise
  • Regulation change a continuing threat
  • Table: Peer-to-Peer Lending Platforms Industry Revenue Outlook

  • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Peer-to-Peer Lending Platforms Industry Lifecycle vs The Economy

  • Products & Markets
    Supply Chains
    Key Buying Industries
  • Private Equity, Hedge Funds & Investment Vehicles
  • Consumers

  • Key Selling Industries
  • Consumers
  • Finance and Insurance
  • IT Consulting
  • Software Publishing

  • Products & Services
  • Interest income
  • Origination fees
  • Servicing fees
  • Chart: Peer-to-Peer Lending Platforms Industry Products and Services Segmentation

  • Demand Determinants
    Major Markets
  • Consumers aged 26 to 60
  • Consumers aged 61 and over
  • Businesses
  • Consumers aged 18 to 25
  • Chart: Major Market Segmentation for the Peer-to-Peer Lending Platforms Industry

  • International Trade
    Business Locations
    Chart: Business Locations by State
    Competitive Landscape
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
    ProfitWagesInterest expensesMarketing and other costs
  • Chart: Cost Structure Benchmarking – Sector vs Peer-to-Peer Lending Platforms

  • Basis of Competition
  • Internal competition
  • External competition

  • Barriers to Entry
  • Table: Barrier to Entry Checklist for the Peer-to-Peer Lending Platforms Industry

  • Industry Globalization
    Major Companies
    Lending ClubProsper.comSocial Finance Inc.
  • Table: Lending Club - financial performance
  • Table: Prosper.com - financial performance
  • Table: Social Finance Inc. - financial performance

  • Operating Conditions
    Capital Intensity
  • Chart: Level of Capital Intensity for the Peer-to-Peer Lending Platforms Industry
  • Chart: Tools of the Trade: Growth Strategies for Success

  • Technology & Systems
    Revenue Volatility
  • Chart: Volatility vs Industry Growth

  • Regulation & Policy
    Industry Assistance
    Key Statistics
    Table: Industry Data for the Peer-to-Peer Lending Platforms Industry
    Includes:
  • Industry Revenue (2007-2021)
  • Industry Gross Product (2007-2021)
  • Establishments (2007-2021)
  • Businesses (2007-2021)
  • Employment (2007-2021)
  • Wages (2007-2021)
  • Access to credit (2007-2021)

  • Table: Annual Percentage Change for Key Industry Data
    Table: Key Ratios for Industry Key Data
    Jargon & Glossary
    Crowdfunding
  • The collective effort of individuals who pool their money via the internet to support loans requested by other people or businesses.
  • Peer-To-Peer Lending
  • Also known as P2P lending or social lending, lending money to an individual or small business by an individual, bypassing traditional financial intermediaries such as a bank.
  • Securities
  • A financial instrument such as a loan that is tradable.
  • Why buy this report?

    IBISWorld industry market research reports enable you to:
    • Find out about key industry trends
    • Identify threats and opportunities
    • Inform your decisions for marketing, strategy and planning
    • Quickly build competitive intelligence
    This report on Peer-to-Peer Lending Platforms:
    • Provides Market Size information to assist with planning and strategic decisions.
    • Includes the necessary information to perform SWOT, PEST and STEER analysis.
    • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
    • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.
    The Peer-to-Peer Lending Platforms market research report includes:
    • Historical data and analysis for the key drivers of this industry
    • A five-year forecast of the market and noted trends
    • Detailed research and segmentation for the main products and markets
    • An assessment of the competitive landscape and market shares for major companies
    • And of course, much more

    IBISWorld reports on thousands of industries around the world. Our clients rely on our information and data to stay up-to-date on industry trends across all industries. With this IBISWorld Industry Research Report on Peer-to-Peer Lending Platforms, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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