CrowdLending (Business) - Netherlands

  • Netherlands
  • The Netherlands is projected to reach a total transaction value of US$203.50m in the Crowdlending (Business) market market by 2024.
  • When comparing globally, China is expected to have the highest transaction value of US$15,970m in 2024.
  • In the Netherlands, CrowdLending platforms are gaining popularity among small businesses for capital raising, diversifying funding sources in the market.

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

 
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Analyst Opinion

The CrowdLending (Business) market in Netherlands has been experiencing significant growth in recent years.

Customer preferences:
In the Netherlands, business owners are increasingly turning to crowd lending as a means of financing their ventures. This is primarily due to the ease and convenience of accessing funds through online platforms. Additionally, crowd lending allows businesses to tap into a larger pool of potential lenders, increasing their chances of securing the necessary capital.

Trends in the market:
One notable trend in the CrowdLending (Business) market in Netherlands is the rise of peer-to-peer lending platforms. These platforms connect borrowers directly with individual lenders, cutting out the need for traditional financial institutions. This trend is driven by the desire for faster loan approval processes and lower interest rates. Another trend in the market is the increasing popularity of impact investing. Many businesses in the Netherlands are aligning themselves with sustainable and socially responsible practices, and investors are seeking out opportunities to support these initiatives. Crowd lending platforms are catering to this demand by offering loans specifically for businesses with a strong environmental or social impact.

Local special circumstances:
The Netherlands has a strong entrepreneurial culture, with a high number of startups and small businesses. However, traditional financing options, such as bank loans, can be difficult to obtain for these businesses. Crowd lending provides a viable alternative, allowing entrepreneurs to access the capital they need to grow their ventures.

Underlying macroeconomic factors:
The growth of the CrowdLending (Business) market in Netherlands can be attributed to several macroeconomic factors. Firstly, the low interest rate environment in the country has made borrowing more affordable, encouraging businesses to seek financing. Additionally, the Netherlands has a stable and well-regulated financial system, which has fostered trust and confidence in crowd lending platforms. Furthermore, the COVID-19 pandemic has had a significant impact on the lending landscape in the Netherlands. Many businesses have faced financial challenges as a result of the pandemic, and traditional lenders have become more cautious in their lending practices. Crowd lending platforms have stepped in to fill this gap, providing much-needed capital to businesses that have been affected by the crisis. In conclusion, the CrowdLending (Business) market in Netherlands is experiencing growth due to customer preferences for convenience and access to a larger pool of lenders. The rise of peer-to-peer lending platforms and the focus on impact investing are notable trends in the market. The Netherlands' entrepreneurial culture and the challenges of accessing traditional financing options have also contributed to the growth of the crowd lending market. Lastly, macroeconomic factors such as the low interest rate environment and the impact of the COVID-19 pandemic have further fueled the development of the market.

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.

Overview

  • Capital Raised
  • Average Deal Size
  • Global Comparison
  • Number of Deals
  • Analyst Opinion
  • Methodology
  • Key Market Indicators
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