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CrowdLending (Business) - Americas

Americas

The total transaction value in the Crowdlending (Business) market market in the Americas is expected to reach US$7.87bn by 2024.
When comparing globally, it is evident that China leads with a transaction value of US$15,970m in 2024.
In the United States, the CrowdLending market is experiencing a surge in platforms offering diverse investment opportunities to individual and institutional investors.

Key regions: China, United Kingdom, Brazil, Israel, India

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Analyst Opinion

The CrowdLending (Business) market in Americas is experiencing significant growth and development. This can be attributed to several key factors, including changing customer preferences, emerging trends in the market, local special circumstances, and underlying macroeconomic factors.

Customer preferences in the CrowdLending (Business) market in Americas are shifting towards more convenient and accessible financing options. Small and medium-sized enterprises (SMEs) are increasingly turning to crowd lending platforms as a source of funding, as traditional lending institutions may have stricter requirements and longer approval processes. Additionally, borrowers are attracted to the flexibility and speed of crowd lending, as it allows them to access funds quickly and efficiently.

Trends in the market are also contributing to the growth of the CrowdLending (Business) market in Americas. One notable trend is the rise of peer-to-peer lending platforms, which connect borrowers directly with lenders. These platforms leverage technology to streamline the lending process and reduce costs, making it an attractive option for both borrowers and lenders.

Another trend is the increasing popularity of crowdfunding campaigns, where businesses can raise funds from a large number of individuals. This trend has gained traction due to the success of high-profile crowdfunding campaigns and the ability to tap into a wide network of potential investors. Local special circumstances in the Americas also play a role in the development of the CrowdLending (Business) market.

In countries with less developed financial systems, such as those in Latin America, crowd lending platforms provide an alternative source of funding for SMEs. These platforms can help bridge the financing gap and support economic growth in these regions. Additionally, the regulatory environment in the Americas has become more favorable towards crowd lending, with governments implementing policies to encourage innovation and competition in the financial sector.

Underlying macroeconomic factors further contribute to the growth of the CrowdLending (Business) market in Americas. Economic growth and increased business activity create a demand for financing, and crowd lending platforms are well-positioned to meet this demand. Furthermore, low interest rates in many countries have made traditional lending less attractive, leading businesses to explore alternative financing options such as crowd lending.

In conclusion, the CrowdLending (Business) market in Americas is experiencing significant growth and development due to changing customer preferences, emerging trends in the market, local special circumstances, and underlying macroeconomic factors. As the market continues to evolve, it is expected to play an increasingly important role in supporting SMEs and driving economic growth in the region.

Methodology

Data coverage:

The data encompasses B2C enterprises. Figures are based on transaction values / revenues / assets under management and user data of relevant services and products offered within the FinTech market.

Modeling approach / Market size:

Market sizes are determined through a combined top-down and bottom-up approach, building on a specific rationale for each market segment. As a basis for evaluating markets, we use annual financial reports of key players, industry reports, third-party reports, publicly available databases, and survey results from primary research (e.g., the Statista Global Consumer Survey). In addition, we use relevant key market indicators and data from country-specific associations, such as GDP, consumer spending, population, internet penetration, smartphone penetration, credit card penetration, and online banking penetration. This data helps us estimate the market size for each country individually.

Forecasts:

In our forecasts, we apply diverse forecasting techniques. The selection of forecasting techniques is based on the behavior of the relevant market. For example, the S-curve function and exponential trend smoothing are well suited for forecasting digital products and services due to the non-linear growth of technology adoption.

Additional notes:

The market is updated twice a year in case market dynamics change. The impact of the COVID-19 pandemic and the Russia-Ukraine war is considered at a country-specific level.