CrowdLending (Business) - Vietnam

Vietnam is expected to see the total transaction value in the Crowdlending (Business) market market reach US$8.97m in 2025.
When considering a global comparison, it is evident that China leads with the highest transaction value projected to be US$17bn in 2025.
Vietnam's CrowdLending market for Capital Raising is thriving, with increasing participation from local businesses seeking alternative financing options.

Definition:

Crowdlending platforms, otherwise know as lending-based Crowdfunding enable small and medium-sized enterprises to get loans from single or multiple, private and institutional investors via an online brokering platform. On credit platforms such as Funding Circle, OnDeck, Kabbage and Lending Club, businesses can obtain small loans up to a set maximum value. As a rule, financing requests are analyzed by the provider via an internal scoring system and are checked against additional minimum requirements such as turnover. Subsequently, these financing requests can be invested in by private and institutional investors at an appropriate interest rate determined by the credit rating of the company. This makes it possible for SMEs to borrow quickly and easily, as the basic requirements for obtaining finance are more flexible compared to traditional bank loans.

Alternative financing for SMEs and freelancers (bank-independent loans)
Small business loans issued by single or multiple private and institutional investors (non-banks)
Online loan request, scoring and approval

Traditional bank loans
Consumer loans and credit card transactions
Business-to-Business credit scoring and rating services
Online marketplaces for consumer loans (see Marketplace Lending)

Digital Capital Raising: market data & analysis

The CrowdLending market within the Digital Capital Raising sector in Vietnam is experiencing mild growth, influenced by factors such as regulatory developments, increased investor interest, and the gradual acceptance of alternative financing methods among businesses.

Customer preferences: Investors in Vietnam are increasingly drawn to CrowdLending platforms as they seek accessible and diversified investment opportunities, reflecting a growing preference for alternative financing solutions. This trend is further fueled by a younger demographic that embraces digital technology and values transparency in financial transactions. Additionally, the rise of entrepreneurial ventures among millennials has spurred demand for innovative funding methods, enabling businesses to tap into a broader investor base while fostering a culture of community-driven financial support.

Trends in the market: In Vietnam, the CrowdLending market is experiencing a surge as more investors seek accessible and diverse investment avenues, particularly among the younger population. This demographic, characterized by their affinity for digital solutions, is increasingly valuing transparency and community engagement in financial transactions. The rise of entrepreneurial ventures among millennials is driving demand for innovative funding methods, allowing businesses to connect with a wider pool of investors. This trend not only enhances funding accessibility for startups but also fosters a culture of collaborative financial support, reshaping the landscape for industry stakeholders.

Local special circumstances: In Vietnam, the CrowdLending market is thriving, fueled by a youthful population that embraces technology and seeks alternative investment opportunities. The country's unique cultural emphasis on community and relationships fosters trust among investors, encouraging participation in peer-to-peer lending platforms. Additionally, the government's regulatory support for fintech innovation enhances the ecosystem, making it easier for startups to access capital. This combination of social values and supportive policies positions Vietnam's CrowdLending market as a distinctive and rapidly evolving segment within the broader digital capital raising landscape.

Underlying macroeconomic factors: The CrowdLending market in Vietnam is significantly influenced by macroeconomic factors such as digital adoption rates, financial inclusion, and the overall economic climate. The country's rapid urbanization and a tech-savvy youth demographic drive the demand for innovative financing solutions, making CrowdLending an attractive option for both borrowers and investors. Additionally, favorable fiscal policies, including tax incentives for fintech startups, bolster market growth. Global economic trends, such as increased interest in alternative investments and the rise of digital currencies, further enhance opportunities in Vietnam's CrowdLending sector, positioning it for sustained expansion.

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.

This report presents a comprehensive analysis and additional information on the Finance market, in a PDF format.

Crowdfunding is the collective effort of a large number of individuals who network and pool small amounts of capital to finance a new or existing business venture. Each campaign is set for a goal amount of money and a fixed timeframe, each day is counted down and the money raised will be tallied up for visitors to follow its success. The size of the global crowdfunding market is growing and the largest markets are North America and Asia.

CrowdLending (Business) - Vietnam

Capital Raised

Average Deal Size

Global Comparison

Number of Deals

Analyst Opinion

Methodology

Finance

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