マイクロレンディング市場レポート：プロバイダー、エンドユーザー、地域別、2024～2032年

世界のマイクロレンディング市場規模は2023年に2,095億米ドルに達しました。今後、IMARC Groupは、2024～2032年にかけて8.86%の成長率（CAGR）を示し、2032年までに4,603億米ドルに達すると予測しています。政府による支援政策の実施、急速な技術進歩、所得格差の蔓延、農業におけるマイクロレンディングの利用拡大などが、市場を推進する主要要因となっています。

マイクロレンディングとは、十分なサービスを受けていない地域社会や個人に少額の融資を行うことを指します。マイクロファイナンス機関（MFI）、伝統的な銀行、オンライン・プラットフォーム、ピアツーピア・レンダーによって提供されます。マイクロレンディングは、小売ビジネス、農業、ハイテク・スタートアップ、手工芸品、家畜飼育、フードサービス、仕立て、輸送、リサイクル、教育、医療サービスなどで広く利用されています。金融包摂を促進し、貧困を削減し、起業家精神を奨励し、ジェンダーのエンパワーメントを促進し、地域経済を活性化します。また、災害復興、サステイナブル開発の支援、金融リテラシーの向上、雇用創出の促進、イノベーションの促進にも役立っています。

農業業界では、種子、肥料、その他の農業投入物のためにマイクロレンディングが広く利用されており、市場の成長を促進しています。さらに、自然災害や不測の事態の増加に起因するサービス需要の増加が、もう一つの成長促進要因として作用しています。さらに、女性のエンパワーメント傾向の高まりは、女性の起業や経済的自立を支援するマイクロローンの需要を促進しています。これとは別に、投資家が金銭的リターンと同時に社会的利益を目指す社会的インパクト投資の新たな動向も、市場の成長を支えています。これに加えて、多くの地域で十分な雇用機会がないために起業家精神が高まっていることも、起業や事業拡大のためのマイクロローン需要を後押ししています。その他にも、急速な都市化、スマートフォンの急速な普及、金融リテラシーの重視の高まりなどが市場成長を促進すると予想されます。

マイクロレンディング市場傾向/促進要因

政府による支援策の実施

金融包摂の拡大を目指した政府のイニシアティブと規制改革は、マイクロレンディング市場の重要な促進要因です。新興国では、伝統的な銀行が遠隔地や低所得者層にサービスを拡大できないため、人口のかなりの部分が銀行口座を持たないままです。その結果、政府は法律を通じてマイクロレンディングを奨励し、また国が支援するマイクロファイナンス機関（MFI）などの独自のイニシアティブを立ち上げるなど、重要な役割を果たしています。こうしたイニシアチブは、直接雇用と間接雇用の両方を提供し、地域経済を刺激し、社会経済諸国の発展を促進します。さらに、金融包摂政策は通常、貧困削減、経済的平等、社会的安定といった、より広範な目標と絡み合っており、これらすべてがマイクロローンの成長に肥沃な土壌を提供しています。

急速な技術の進歩

マイクロレンディングプロセスへの技術の統合は、この業界に革命をもたらしています。フィンテック企業やデジタルプラットフォームは、ビッグデータ、機械学習（ML）、ブロックチェーン、人工知能などの技術を活用し、借り手の信用力を評価し、融資実行プロセスを合理化し、融資サービシングのコストを削減しています。さらに、モバイル・技術とインターネット接続の普及が進んでいるため、特に遠隔地では、個人が小口融資サービスにアクセスできるようになっています。これとは別に、これらの技術は強固な信用スコアリングシステムの構築を支援し、効率的なリスク管理を可能にしています。さらに、技術は引受・支払プロセスの自動化を助け、借り手にとってはスピードと利便性が向上し、貸し手にとっては運営コストが大幅に削減されるため、少額融資の発行が経済的に可能になります。

所得格差の拡大

世界の所得格差の拡大は、マイクロレンディング市場の重要な促進要因です。低所得者や中小企業の経営者は、こうした層が抱えるリスクの高さや、小口融資のサービシングにかかるコストの高さから、従来のクレジットチャネルへのアクセスが限られています。マイクロレンディングは、このような個人や企業の要求を満たす手頃な金融サービスを提供することで、このギャップを埋めています。さらに、マイクロローンは従来のローンよりも金利が低く、返済スケジュールも柔軟であるため、担保や信用履歴のない人々にとって魅力的な選択肢となっています。このほかにも、都市化に伴う金融面での課題や、中小企業や起業家の資金需要の高まりによって、手ごろな金融サービスへの需要が高まっており、マイクロローンはこうしたニーズに的確に応えることができます。

目次

第1章 序文

第2章 調査範囲と調査手法

• 調査の目的
• ステークホルダー
• データソース
  • 一次情報
  • 二次情報
• 市場推定
  • ボトムアップアプローチ
  • トップダウンアプローチ
• 調査手法

第3章 エグゼクティブサマリー

第4章 イントロダクション

• 概要
• 主要業界動向

第5章 世界のマイクロレンディング市場

• 市場概要
• 市場実績
• COVID-19の影響
• 市場予測

第6章 市場内訳：プロバイダー別

• 銀行
• マイクロファイナンス協会（MFI）
• NBFC（非銀行金融機関）
• その他

第7章 市場内訳：エンドユーザー別

• 中小企業
• 小規模企業
• 個人起業家と自営業者

第8章 市場内訳：地域別

• 北米
  • 米国
  • カナダ
• アジア太平洋
  • 中国
  • 日本
  • インド
  • 韓国
  • オーストラリア
  • インドネシア
  • その他
• 欧州
  • ドイツ
  • フランス
  • 英国
  • イタリア
  • スペイン
  • ロシア
  • その他
• ラテンアメリカ
  • ブラジル
  • メキシコ
  • その他
• 中東・アフリカ
  • 市場動向
  • 市場内訳：国別
  • 市場予測

第9章 SWOT分析

• 概要
• 強み
• 弱み
• 機会
• 脅威

第10章 バリューチェーン分析

第11章 ポーターのファイブフォース分析

• 概要
• 買い手の交渉力
• 供給企業の交渉力
• 競合の程度
• 新規参入業者の脅威
• 代替品の脅威

第12章 価格分析

第13章 競合情勢

• 市場構造
• 主要企業
• 主要企業のプロファイル
  • American Express Company
  • BlueVine Inc.
  • Funding Circle
  • Lendio Inc.
  • Lendr
  • Manappuram Finance Limited
  • NerdWallet
  • On Deck Capital（Enova International）
  • StreetShares Inc.（MeridianLink）

List of Figures

• Figure 1: Global: Micro Lending Market: Major Drivers and Challenges
• Figure 2: Global: Micro Lending Market: Sales Value (in Billion US$), 2018-2023
• Figure 3: Global: Micro Lending Market Forecast: Sales Value (in Billion US$), 2024-2032
• Figure 4: Global: Micro Lending Market: Breakup by Provider (in %), 2023
• Figure 5: Global: Micro Lending Market: Breakup by End User (in %), 2023
• Figure 6: Global: Micro Lending Market: Breakup by Region (in %), 2023
• Figure 7: Global: Micro Lending (Banks) Market: Sales Value (in Million US$), 2018 & 2023
• Figure 8: Global: Micro Lending (Banks) Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 9: Global: Micro Lending (Micro Finance Institute (MFI)) Market: Sales Value (in Million US$), 2018 & 2023
• Figure 10: Global: Micro Lending (Micro Finance Institute (MFI)) Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 11: Global: Micro Lending (NBFC (Non-Banking Financial Institutions)) Market: Sales Value (in Million US$), 2018 & 2023
• Figure 12: Global: Micro Lending (NBFC (Non-Banking Financial Institutions)) Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 13: Global: Micro Lending (Other Providers) Market: Sales Value (in Million US$), 2018 & 2023
• Figure 14: Global: Micro Lending (Other Providers) Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 15: Global: Micro Lending (Small Enterprises) Market: Sales Value (in Million US$), 2018 & 2023
• Figure 16: Global: Micro Lending (Small Enterprises) Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 17: Global: Micro Lending (Micro Enterprises) Market: Sales Value (in Million US$), 2018 & 2023
• Figure 18: Global: Micro Lending (Micro Enterprises) Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 19: Global: Micro Lending (Solo Entrepreneurs and Self-Employed) Market: Sales Value (in Million US$), 2018 & 2023
• Figure 20: Global: Micro Lending (Solo Entrepreneurs and Self-Employed) Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 21: North America: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 22: North America: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 23: United States: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 24: United States: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 25: Canada: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 26: Canada: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 27: Asia-Pacific: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 28: Asia-Pacific: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 29: China: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 30: China: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 31: Japan: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 32: Japan: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 33: India: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 34: India: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 35: South Korea: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 36: South Korea: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 37: Australia: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 38: Australia: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 39: Indonesia: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 40: Indonesia: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 41: Others: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 42: Others: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 43: Europe: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 44: Europe: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 45: Germany: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 46: Germany: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 47: France: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 48: France: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 49: United Kingdom: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 50: United Kingdom: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 51: Italy: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 52: Italy: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 53: Spain: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 54: Spain: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 55: Russia: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 56: Russia: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 57: Others: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 58: Others: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 59: Latin America: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 60: Latin America: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 61: Brazil: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 62: Brazil: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 63: Mexico: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 64: Mexico: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 65: Others: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 66: Others: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 67: Middle East and Africa: Micro Lending Market: Sales Value (in Million US$), 2018 & 2023
• Figure 68: Middle East and Africa: Micro Lending Market: Breakup by Country (in %), 2023
• Figure 69: Middle East and Africa: Micro Lending Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 70: Global: Micro Lending Industry: SWOT Analysis
• Figure 71: Global: Micro Lending Industry: Value Chain Analysis
• Figure 72: Global: Micro Lending Industry: Porter's Five Forces Analysis

List of Tables

• Table 1: Global: Micro Lending Market: Key Industry Highlights, 2023 and 2032
• Table 2: Global: Micro Lending Market Forecast: Breakup by Provider (in Million US$), 2024-2032
• Table 3: Global: Micro Lending Market Forecast: Breakup by End User (in Million US$), 2024-2032
• Table 4: Global: Micro Lending Market Forecast: Breakup by Region (in Million US$), 2024-2032
• Table 5: Global: Micro Lending Market: Competitive Structure
• Table 6: Global: Micro Lending Market: Key Players

The global micro lending market size reached US$ 209.5 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 460.3 Billion by 2032, exhibiting a growth rate (CAGR) of 8.86% during 2024-2032. The implementation of supportive government policies, rapid technological advancements, widespread prevalence of income inequality, and increasing utilization of micro lending in the agriculture industry are some of the major factors propelling the market.

Micro lending refers to the provision of small loans to underserved communities or individuals. It is dispensed by microfinance institutions (MFIs), traditional banks, online platforms, and peer-to-peer lenders. Micro-lending is widely used in retail business, agriculture, tech startups, handicrafts, livestock rearing, food services, tailoring, transportation, recycling, education, and health services. It promotes financial inclusion, reduces poverty, encourages entrepreneurship, fosters gender empowerment, and stimulates local economies. Micro lending also aids in disaster recovery, supports sustainable development, enhances financial literacy, fuels job creation, and boosts innovation.

The widespread utilization of micro lending in the agriculture industry for seeds, fertilizers, and other agricultural inputs is propelling the market growth. Additionally, the increasing service demand owing to the growing number of natural disasters and unforeseen circumstances is acting as another growth-inducing factor. Furthermore, the rising trend of women empowerment is facilitating the demand for micro-loans as they are instrumental in helping women start their own businesses and achieve financial independence. Apart from this, the emerging trends of social impact investment, where investors aim for social good alongside monetary returns, is supporting the market growth. Besides this, the increasing entrepreneurship culture due to the lack of adequate job opportunities in many regions is driving the demand for micro-loans to start or scale businesses. Other factors, including rapid urbanization, the rapid proliferation of smartphones, and increasing emphasis on financial literacy, are anticipated to drive the market growth.

Micro Lending Market Trends/Drivers:

The implementation of supportive government initiatives

Government initiatives and regulatory reforms aimed at increasing financial inclusion are significant drivers in the micro-lending market. In emerging economies, a substantial portion of the population remains unbanked due to the inability of traditional banks to extend their services in remote areas or to individuals with low-income levels. As a result, governments play a significant role in incentivizing micro-lending practices through legislation and also launching their own initiatives, such as state-backed microfinance institutions (MFIs). These initiatives provide both direct and indirect employment, stimulate local economies, and promote socio-economic development. Furthermore, financial inclusion policies are typically intertwined with broader goals, such as poverty reduction, economic equality, and social stability, all of which provide a fertile ground for micro-lending growth.

The rapid technological advancements

The integration of technology into the micro-lending process is revolutionizing the industry. Fintech companies and digital platforms are leveraging technologies such as big data, machine learning (ML), blockchain, and artificial intelligence to assess borrower creditworthiness, streamline loan disbursal processes, and reduce the cost of servicing loans. Furthermore, the increasing penetration of mobile technology and internet connectivity is allowing individuals to access micro-lending services, especially in remote regions. Apart from this, these technologies aid in the creation of a robust credit scoring system, enabling efficient risk management. Moreover, technology aids in automating the underwriting and disbursal processes, which increases the speed and convenience for borrowers and significantly reduces the operational cost for lenders, thus making it economically viable to issue smaller loans.

The widespread prevalence of income inequality

Rising income inequality worldwide is a significant driver of the micro-lending market. Low-income earners and small business owners have limited access to traditional credit channels due to the perceived high risk associated with this demographic and the high cost of servicing small loans. Micro-lending fills this gap by providing affordable financial services that meet the requirements of these individuals and businesses. Moreover, micro-loans come with lower interest rates than traditional loans and have more flexible repayment schedules, which makes them an attractive option for those without collateral or credit history. Besides this, the demand for affordable financial services is also reinforced by the financial challenges associated with urbanization and the increasing demand for capital among small businesses and entrepreneurs, which micro-lending can aptly cater to.

Micro Lending Industry Segmentation:

IMARC Group provides an analysis of the key trends in each segment of the global micro lending market report, along with forecasts at the global, regional and country levels from 2024-2032. Our report has categorized the market based on provider and end user.

Breakup by Provider:

Banks

Micro Finance Institute (MFI)

NBFC (Non-Banking Financial Institutions)

Others

Banks dominate the market

The report has provided a detailed breakup and analysis of the market based on the provider. This includes banks, micro finance institute (MFI), NBFC (Non-banking financial institutions), and others. According to the report, banks represented the largest market segment.

Banks are dominating the market due to their established presence, financial robustness, and comprehensive regulatory framework. They are trusted financial institutions that have extensive outreach, including physical branches and well-established digital networks, enabling them to cater to a broad customer base across urban and rural areas. Furthermore, their sizable capital reserves allow them to absorb potential credit losses associated with micro-lending, a feature particularly crucial given the riskier nature of this sector. Additionally, banks have access to vast amounts of customer data, which they can utilize to design suitable credit products and conduct rigorous risk assessments. Apart from this, they are incorporating digital technologies to streamline the micro-lending process and make it more efficient and customer friendly. Moreover, several governments incentivize or mandate banks to extend their services to underserved communities, thus contributing to their growing involvement in the micro-lending market.

Breakup by End User:

Small Enterprises

Micro Enterprises

Solo Entrepreneurs and Self-Employed

Small enterprises dominate the market

The report has provided a detailed breakup and analysis of the market based on the end user. This includes small enterprises, micro enterprises, and solo entrepreneurs and self-employed. According to the report, small enterprises represented the largest market segment.

Small enterprises are dominating the market due to their inherent need for affordable and accessible financing. These businesses often face challenges in securing funds from traditional banking systems due to their limited credit history, lack of collateral, and smaller financing needs that are considered unprofitable. In line with this, micro-lending provides the necessary capital, offers flexible repayment options, and allows small enterprises to expand their operations. Furthermore, the simplified application processes and quick disbursals of micro lending services, facilitated by technological advancements, are acting as another growth-inducing factor. Additionally, micro-lending institutions provide non-financial support to small enterprises, such as training, networking opportunities, and business advice, which further enhances their ability to successfully manage their businesses and increase profitability.

Breakup by Region:

North America

United States

Canada

Asia-Pacific

China

Japan

India

South Korea

Australia

Indonesia

Others

Europe

Germany

France

United Kingdom

Italy

Spain

Russia

Others

Latin America

Brazil

Mexico

Others

Middle East and Africa

Asia Pacific exhibits a clear dominance in the market, accounting for the largest micro lending market share

The report has also provided a comprehensive analysis of all the major regional markets, which includes North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, Asia Pacific represented the largest market segment.

Asia Pacific is dominating the micro-lending market due to its considerable percentage of unbanked or underbanked individuals, which presents a vast potential customer base for micro-lending. Furthermore, individuals in the region are engaged in self-employment or small-scale enterprises that have limited access to traditional banking services, thus making micro-lending a viable solution for their financial needs. Additionally, the implementation of supportive policies by regional governments to encourage financial inclusion and reduce poverty is driving the market growth. Apart from this, the rapid proliferation of smartphones, coupled with the increasing internet connectivity in the Asia Pacific region, has allowed companies to offer micro-lending services through digital platforms, thus enabling quick and efficient loan processing and disbursal even in remote areas. Moreover, the presence of a robust entrepreneurship culture in the region is fueling the demand for micro-loans.

Competitive Landscape:

The key market players in the micro lending market are leveraging technology to streamline their operations and enhance the customer experience. In line with this, they are developing mobile apps and web platforms for easy loan applications, management, and repayment. Furthermore, leading firms are collaborating with banks, fintech companies, and non-governmental organizations to broaden their reach, access new customer bases, and leverage technological advancements made by their partners. Apart from this, several key players are offering flexible repayment options, competitive interest rates, and personalized loan products to cater to their customer's unique needs and gain an advantage over competitors. Moreover, leading micro-lenders are investing in financial education and capacity-building programs to empower their customers and ensure better loan usage and repayment.

The report has provided a comprehensive analysis of the competitive landscape in the global micro lending market. Detailed profiles of all major companies have also been provided. Some of the key players in the market include:

American Express Company

BlueVine Inc.

Funding Circle

Lendio Inc.

Lendr

Manappuram Finance Limited

NerdWallet

On Deck Capital (Enova International)

StreetShares Inc. (MeridianLink)

Recent Developments:

In January 2023, American Express Company launched a suite of financial service products for small businesses.

In October 2022, Funding Circle expanded its access to capital for Nevada small business owners following authorization from the state.

In June 2023, Lendio Inc. launched a new mobile application to empower small businesses with access, data, and insight into their cash flow and capital.

Key Questions Answered in This Report

• 1. What was the size of the global micro lending market in 2023?
• 2. What is the expected growth rate of the global micro lending market during 2024-2032?
• 3. What are the key factors driving the global micro lending market?
• 4. What has been the impact of COVID-19 on the global micro lending market?
• 5. What is the breakup of the global micro lending market based on the provider?
• 6. What is the breakup of the global micro lending market based on the end user?
• 7. What are the key regions in the global micro lending market?
• 8. Who are the key players/companies in the global micro lending market?

Table of Contents

1 Preface

2 Scope and Methodology

• 2.1 Objectives of the Study
• 2.2 Stakeholders
• 2.3 Data Sources
  • 2.3.1 Primary Sources
  • 2.3.2 Secondary Sources
• 2.4 Market Estimation
  • 2.4.1 Bottom-Up Approach
  • 2.4.2 Top-Down Approach
• 2.5 Forecasting Methodology

3 Executive Summary

4 Introduction

• 4.1 Overview
• 4.2 Key Industry Trends

5 Global Micro Lending Market

• 5.1 Market Overview
• 5.2 Market Performance
• 5.3 Impact of COVID-19
• 5.4 Market Forecast

6 Market Breakup by Provider

• 6.1 Banks
  • 6.1.1 Market Trends
  • 6.1.2 Market Forecast
• 6.2 Micro Finance Institute (MFI)
  • 6.2.1 Market Trends
  • 6.2.2 Market Forecast
• 6.3 NBFC (Non-Banking Financial Institutions)
  • 6.3.1 Market Trends
  • 6.3.2 Market Forecast
• 6.4 Others
  • 6.4.1 Market Trends
  • 6.4.2 Market Forecast

7 Market Breakup by End User

• 7.1 Small Enterprises
  • 7.1.1 Market Trends
  • 7.1.2 Market Forecast
• 7.2 Micro Enterprises
  • 7.2.1 Market Trends
  • 7.2.2 Market Forecast
• 7.3 Solo Entrepreneurs and Self-Employed
  • 7.3.1 Market Trends
  • 7.3.2 Market Forecast

8 Market Breakup by Region

• 8.1 North America
  • 8.1.1 United States
    • 8.1.1.1 Market Trends
    • 8.1.1.2 Market Forecast
  • 8.1.2 Canada
    • 8.1.2.1 Market Trends
    • 8.1.2.2 Market Forecast
• 8.2 Asia-Pacific
  • 8.2.1 China
    • 8.2.1.1 Market Trends
    • 8.2.1.2 Market Forecast
  • 8.2.2 Japan
    • 8.2.2.1 Market Trends
    • 8.2.2.2 Market Forecast
  • 8.2.3 India
    • 8.2.3.1 Market Trends
    • 8.2.3.2 Market Forecast
  • 8.2.4 South Korea
    • 8.2.4.1 Market Trends
    • 8.2.4.2 Market Forecast
  • 8.2.5 Australia
    • 8.2.5.1 Market Trends
    • 8.2.5.2 Market Forecast
  • 8.2.6 Indonesia
    • 8.2.6.1 Market Trends
    • 8.2.6.2 Market Forecast
  • 8.2.7 Others
    • 8.2.7.1 Market Trends
    • 8.2.7.2 Market Forecast
• 8.3 Europe
  • 8.3.1 Germany
    • 8.3.1.1 Market Trends
    • 8.3.1.2 Market Forecast
  • 8.3.2 France
    • 8.3.2.1 Market Trends
    • 8.3.2.2 Market Forecast
  • 8.3.3 United Kingdom
    • 8.3.3.1 Market Trends
    • 8.3.3.2 Market Forecast
  • 8.3.4 Italy
    • 8.3.4.1 Market Trends
    • 8.3.4.2 Market Forecast
  • 8.3.5 Spain
    • 8.3.5.1 Market Trends
    • 8.3.5.2 Market Forecast
  • 8.3.6 Russia
    • 8.3.6.1 Market Trends
    • 8.3.6.2 Market Forecast
  • 8.3.7 Others
    • 8.3.7.1 Market Trends
    • 8.3.7.2 Market Forecast
• 8.4 Latin America
  • 8.4.1 Brazil
    • 8.4.1.1 Market Trends
    • 8.4.1.2 Market Forecast
  • 8.4.2 Mexico
    • 8.4.2.1 Market Trends
    • 8.4.2.2 Market Forecast
  • 8.4.3 Others
    • 8.4.3.1 Market Trends
    • 8.4.3.2 Market Forecast
• 8.5 Middle East and Africa
  • 8.5.1 Market Trends
  • 8.5.2 Market Breakup by Country
  • 8.5.3 Market Forecast

9 SWOT Analysis

• 9.1 Overview
• 9.2 Strengths
• 9.3 Weaknesses
• 9.4 Opportunities
• 9.5 Threats

10 Value Chain Analysis

11 Porters Five Forces Analysis

• 11.1 Overview
• 11.2 Bargaining Power of Buyers
• 11.3 Bargaining Power of Suppliers
• 11.4 Degree of Competition
• 11.5 Threat of New Entrants
• 11.6 Threat of Substitutes

12 Price Analysis

13 Competitive Landscape

• 13.1 Market Structure
• 13.2 Key Players
• 13.3 Profiles of Key Players
  • 13.3.1 American Express Company
    • 13.3.1.1 Company Overview
    • 13.3.1.2 Product Portfolio
    • 13.3.1.3 Financials
    • 13.3.1.4 SWOT Analysis
  • 13.3.2 BlueVine Inc.
    • 13.3.2.1 Company Overview
    • 13.3.2.2 Product Portfolio
  • 13.3.3 Funding Circle
    • 13.3.3.1 Company Overview
    • 13.3.3.2 Product Portfolio
  • 13.3.4 Lendio Inc.
    • 13.3.4.1 Company Overview
    • 13.3.4.2 Product Portfolio
  • 13.3.5 Lendr
    • 13.3.5.1 Company Overview
    • 13.3.5.2 Product Portfolio
  • 13.3.6 Manappuram Finance Limited
    • 13.3.6.1 Company Overview
    • 13.3.6.2 Product Portfolio
    • 13.3.6.3 Financials
    • 13.3.6.4 SWOT Analysis
  • 13.3.7 NerdWallet
    • 13.3.7.1 Company Overview
    • 13.3.7.2 Product Portfolio
    • 13.3.7.3 Financials
  • 13.3.8 On Deck Capital (Enova International)
    • 13.3.8.1 Company Overview
    • 13.3.8.2 Product Portfolio
  • 13.3.9 StreetShares Inc. (MeridianLink)
    • 13.3.9.1 Company Overview
    • 13.3.9.2 Product Portfolio