Debt-Based Peer-to-Peer (P2P) Crowdfunding Market Analysis and Business Opportunities Report 2025: Rising SME Financing Demand, ESG-Focused Products, and Mobile-First Lending




Debt-Based Peer-to-Peer (P2P) Crowdfunding Market Analysis and Business Opportunities Report 2025: Rising SME Financing Demand, ESG-Focused Products, and Mobile-First Lending

The debt-based P2P crowdfunding market thrives on fintech growth, start-up expansion, and emerging tech like AI and blockchain

Dublin, Sept. 29, 2025 (GLOBE NEWSWIRE) — The “Debt Based Peer-to-Peer (P2P) Crowdfunding Market Report 2025” has been added to ResearchAndMarkets.com’s offering.

The debt-based peer-to-peer (P2P) crowdfunding market is experiencing a remarkable expansion. Estimated to grow from $4.63 billion in 2024 to $5.43 billion in 2025, the market is expected to achieve a compound annual growth rate (CAGR) of 17.3%. The growth during this period was primarily fueled by the adoption of fintech solutions, increased demand for alternative financing, a surge in investor interest for higher yields, expanded internet reach, and growing discontent with conventional banking.

Looking ahead, the market is projected to soar to $10.14 billion by 2029, maintaining a robust CAGR of 16.9%. This trajectory will be spurred by the increasing utilization of open banking APIs, heightened need for SME financing, the rise of mobile-first lending platforms, and the proliferation of ESG-focused lending products. In addition, the participation of institutional investors in P2P markets is set to drive growth further. Key trends include advancements in AI for risk assessment, adoption of blockchain for loan management, alternative credit scoring innovations, and the integration of regulatory technology.

Fintech advancements are pivotal in propelling this market. The growing need for swift and easily accessible financial services prompts consumers and businesses towards technology-driven solutions. Debt-based P2P crowdfunding platforms have emerged as key players in this evolution, facilitating direct online lending and offering competitive yields for investors, thereby promoting financial inclusion. The UK FinTech sector, with over 1,600 firms as of 2023, exemplifies this trend and is projected to double by 2030.

The dynamic expansion of start-ups plays a crucial role in driving the P2P crowdfunding market. Access to digital technology enables entrepreneurs to scale operations efficiently, and debt-based P2P platforms offer an effective means for new businesses to secure necessary capital without traditional bank involvement. The reported increase in registered companies in the UK, totaling 5.63 million in 2024, underscores the market’s potential.

Leading companies in the debt-based P2P crowdfunding sector are innovating with products like term-based peer-to-peer plans to cater to diverse investor preferences and optimize borrower repayment structures. Notably, LenDenClub’s introduction of the Fixed Maturity Peer-to-Peer Plan (FMPP) demonstrates how platforms are utilizing advanced risk assessment tools to match lenders with creditworthy borrowers.

Industry giants such as LendingClub Corporation, Upstart Network Inc., and others are reshaping the landscape. While North America led the market in 2024, the Asia-Pacific region is set to experience the fastest growth. Countries like Australia, China, and India are central to this trend.

However, geopolitical shifts, notably U.S. tariff escalations, are impacting the financial sector, enhancing market volatility and influencing investment strategies. These changes emphasize the need for diversified investment portfolios and robust risk management frameworks.

Report Scope

The market report provides comprehensive insights into the industry’s statistics, market size, competitor analysis, and regional shares, offering a holistic view necessary for thriving in this burgeoning sector.

Key areas include:

• Market Characteristics: Defines and explains the market.
• Market Size: Quantifies the market size in billion dollars, reflecting on its historical growth and future forecasts.
• Forecast Considerations: Incorporates factors such as technological advancements, global conflicts, and economic policies impacting the market.
• Market Segmentation: Breaks down the market into sub-markets.
• Regional and Country Breakdowns: Analysis of market size by geography and comparisons of historical and forecast growth.
• Competitive Landscape: Describes competitive dynamics, market shares, and leading companies. Highlights formative financial deals.
• Trends and Strategies: Guides company growth strategies as the market recovers from crises.

Markets Covered:
1) By Type: Online; Offline
2) By Platform Type: Consumer Lending; Business Lending; Real Estate Lending
3) By Application: Individuals; Businesses; Other Applications
4) By End-User: Individuals; Small and Medium Enterprises; Large Enterprises

Subsegments:
1) By Online: Web-Based Platforms; Mobile Applications; Cloud-Hosted Solutions; API-Integrated Systems; SaaS-Based Custody Tools
2) By Offline: Hardware Devices; Paper Wallet Storage; Air-Gapped Systems; USB-Encrypted Solutions; Cold Vault Infrastructure

Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa

Countries: Australia; Brazil; China; France; Germany; India; Indonesia; Japan; Russia; South Korea; UK; USA; Canada; Italy; Spain.

Time Series: Five years historic and ten years forecast.

Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita.

Data Segmentation: Country and regional historic and forecast data, market share of competitors, market segments.

Key Attributes

The companies featured in this Debt Based Peer-to-Peer (P2P) Crowdfunding market report include:

• LendingClub Corporation
• Upstart Network Inc.
• Funding Circle Holdings plc
• Zopa Bank Limited
• Mintos Marketplace AS
• LenDenClub
• Peerform Inc.
• LendInvest Limited
• Faircent Tech Private Limited
• Assetz Capital Limited
• Bondora Capital OU
• Twino LLC
• Rebuilding Society Limited
• KILDE PTE. LTD.
• Viainvest SIA
• Folk2Folk Limited
• Prosper Marketplace Inc.
• i2iFunding
• IndiaP2P
• Crowd2Fund Limited

For more information about this report visit https://www.researchandmarkets.com/r/qi5igs

About ResearchAndMarkets.com
ResearchAndMarkets.com is the world’s leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends.

Attachment

• Debt Based Peer-to-Peer (P2P) Crowdfunding Market

CONTACT: 
CONTACT: ResearchAndMarkets.com 
         Laura Wood,Senior Press Manager 
         press@researchandmarkets.com
         For E.S.T Office Hours Call 1-917-300-0470 
         For U.S./ CAN Toll Free Call 1-800-526-8630 
         For GMT Office Hours Call +353-1-416-8900