Smart Lending Platform

Smart Lending Platform Market Outlook

The global Smart Lending Platform Market is anticipated to reach USD 20 billion by 2035, growing at a compound annual growth rate (CAGR) of 15% during the forecast period from 2025 to 2035. This robust growth can be attributed to several factors including the increasing adoption of digital financial services, the need for efficient credit assessment processes, and the rise of alternative lending solutions. Moreover, technological advancements such as Artificial Intelligence (AI) and Machine Learning (ML) are transforming how lending platforms operate, making them more efficient and accessible. The ongoing shift towards online services, especially in the wake of the COVID-19 pandemic, has further accelerated the demand for smart lending solutions. As consumers and businesses alike seek streamlined and user-friendly lending experiences, the market is poised for significant expansion.

Growth Factor of the Market

The growth of the Smart Lending Platform Market is significantly fueled by the digital transformation in the financial services sector. With an increasing number of consumers preferring online platforms for their lending needs, traditional banks and financial institutions are compelled to innovate and adapt to changing consumer behavior. Additionally, the rise of fintech companies has introduced a wave of competition, pushing legacy lenders to upgrade their systems and explore partnerships with tech providers to enhance customer experience and operational efficiency. The integration of advanced technologies, such as Artificial Intelligence and Big Data Analytics, allows for better risk assessment and personalized lending solutions. The demand for faster loan processing and disbursement times has also led to the development of automated lending platforms, further driving market growth. Another significant factor includes the increased focus on financial inclusion, allowing underserved populations access to credit through alternative lending channels.

Key Highlights of the Market

• The Smart Lending Platform Market is projected to witness a CAGR of 15% from 2025 to 2035.
• Technological advancements are reshaping lending processes, making them more efficient and user-friendly.
• Fintech competition is driving traditional banks to innovate in their lending services.
• Increasing demand for financial inclusion is prompting the development of alternative lending solutions.
• AI and Big Data are enhancing credit risk assessment and decision-making processes.

By Platform Type

P2P Lending:

Peer-to-peer (P2P) lending platforms have revolutionized the way individuals and businesses obtain loans, facilitating direct transactions between borrowers and lenders without the need for traditional financial institutions. These platforms leverage technology to evaluate creditworthiness and match borrowers with potential lenders, often resulting in lower interest rates for borrowers and higher returns for lenders. The increasing popularity of P2P lending is driven by its transparency and efficiency, allowing users to bypass the lengthy processes typically associated with bank loans. Furthermore, the rise of fintech firms specializing in P2P lending is expected to accelerate market growth, as these companies continuously innovate their offerings to attract more users.

Online Lending:

Online lending encompasses various digital platforms that offer loans to consumers and businesses through the internet. This segment has witnessed remarkable growth due to the convenience it provides; borrowers can apply for loans anytime and anywhere, without the constraints of physical branches. The use of automated underwriting and decision-making processes significantly reduces loan origination times, enhancing customer satisfaction. As more individuals seek quick access to funds, online lending platforms are gaining traction, particularly among millennials and Gen Z consumers who prefer digital solutions. Additionally, the integration of AI and ML technologies is enhancing the accuracy of credit assessments, further boosting the appeal of online lending.

Marketplace Lending:

Marketplace lending platforms serve as intermediaries that connect borrowers with multiple potential lenders, effectively creating a competitive environment for loan origination. This segment allows borrowers to compare various loan offers from different lenders, providing them with more options and potentially better terms. Marketplace lending is especially popular among small and medium enterprises (SMEs) that may struggle to secure financing through traditional banks. The growth in this segment is driven by the need for flexible financing solutions and the increasing willingness of investors to participate in lending opportunities through these platforms. As more investors recognize the potential for attractive returns, marketplace lending is expected to thrive in the coming years.

Crowdfunding Platforms:

Crowdfunding platforms have emerged as a unique avenue for financing, allowing individuals and businesses to raise funds from a large number of people, typically via the internet. These platforms cater to various projects, from creative endeavors to startups seeking seed capital. The growth of crowdfunding is fueled by its ability to democratize funding and provide access to capital for underrepresented entrepreneurs. Moreover, the rise of social impact investing has led to an increase in crowdfunding campaigns focused on sustainability and community development. As more people engage in funding projects that resonate with their values, the crowdfunding segment within the smart lending market is expected to expand significantly.

Credit Unions:

Credit unions are member-owned financial cooperatives that offer a range of lending products, often at more favorable terms than traditional banks. These institutions focus on serving their members' best interests and typically provide personalized service. The growth of credit unions as a segment in the smart lending market is driven by their commitment to financial education and community support. As more consumers seek trustworthy lending options, credit unions are positioned to capitalize on this demand by leveraging technology to streamline their lending processes and enhance member experiences. Furthermore, the increasing trend of consumers favoring ethical and community-focused financial solutions is expected to bolster the credit union segment.

By Technology

Artificial Intelligence:

Artificial Intelligence is revolutionizing the smart lending market by enabling more accurate risk assessments and credit evaluations. AI algorithms analyze vast amounts of data to predict borrower behavior and assess creditworthiness, reducing reliance on traditional credit scores. This technology streamlines loan origination processes and enhances personalization, offering tailored loan products that meet individual needs. Moreover, AI-driven chatbots and virtual assistants are improving customer service by providing instant support and guidance throughout the loan application process. As AI technology continues to evolve, its integration into lending platforms will likely become increasingly sophisticated, driving market growth.

Blockchain:

Blockchain technology is emerging as a transformative force in the lending sector by enhancing transparency, security, and efficiency in transactions. By providing a decentralized ledger, blockchain enables secure peer-to-peer lending without intermediaries, reducing costs and processing times. This technology also enhances the verification process, allowing lenders to access real-time and immutable borrower data, thereby improving risk management. The potential for smart contracts—automated agreements executed when predefined conditions are met—further streamlines lending processes and minimizes default risks. As more lending platforms adopt blockchain technology, the market is expected to witness significant growth driven by these innovations.

Big Data Analytics:

Big Data Analytics plays a crucial role in the smart lending market by enabling lenders to harness vast amounts of information for informed decision-making. By analyzing customer data, transaction history, and economic trends, lending platforms can develop more accurate credit scoring models and risk assessments. This technology allows lenders to identify potential borrowers that may not qualify under traditional criteria, thereby expanding their customer base. Furthermore, Big Data Analytics equips lenders with insights into customer behavior, enabling them to tailor lending products to meet specific needs and preferences. As the demand for data-driven lending solutions continues to grow, the adoption of Big Data Analytics is expected to propel the market forward.

Machine Learning:

Machine Learning (ML) algorithms are increasingly being utilized in the smart lending market to enhance decision-making processes and improve risk management. By analyzing historical data, ML models can identify patterns and trends that help predict borrower behavior, enabling lenders to make more informed lending decisions. Additionally, ML enables continuous learning and adaptation, allowing lending platforms to refine their models based on new data and changing market conditions. As lenders seek to optimize their credit assessment processes and reduce default rates, the incorporation of ML technology is expected to play a pivotal role in shaping the future of lending.

Robotic Process Automation:

Robotic Process Automation (RPA) is gaining traction in the smart lending market as it automates repetitive tasks, thereby improving operational efficiency and reducing costs. RPA can streamline processes such as loan origination, data entry, and compliance checks, allowing lenders to focus on more strategic initiatives. By reducing human error and speeding up processing times, RPA enhances customer satisfaction and boosts overall productivity. The increasing emphasis on automation in financial services is driving the adoption of RPA technologies in lending platforms. As organizations strive to remain competitive, the integration of RPA in lending operations is anticipated to grow significantly.

By End User

Individuals:

Individuals form a significant segment of the smart lending market, as many seek access to personal loans for various purposes, including education, home improvement, and unexpected expenses. Digital lending platforms cater specifically to this demographic by offering streamlined application processes, quicker approvals, and flexible repayment options. The increasing preference for online services among individuals has led to a surge in personal loan applications via smart lending platforms. Moreover, the growing trend of financial literacy and awareness among consumers has enabled individuals to make informed borrowing decisions, further propelling market growth.

SMEs:

Small and Medium Enterprises (SMEs) represent a crucial segment within the smart lending market, as they often face challenges in securing financing through traditional banking channels. Smart lending platforms provide SMEs with alternative funding solutions that cater to their specific needs, offering faster access to capital and more favorable terms. The rise of fintech companies has introduced innovative lending products tailored for SMEs, enhancing their financing options. As SMEs increasingly recognize the benefits of digital lending platforms for improving cash flow and funding expansion plans, the demand for smart lending solutions in this segment is expected to grow significantly.

Large Enterprises:

Large enterprises are also leveraging smart lending platforms to optimize their financing strategies, manage working capital, and support growth initiatives. These organizations often require significant funding for expansion projects, acquisitions, or infrastructure investments. Smart lending solutions provide large enterprises with flexible financing options, allowing them to access capital efficiently. Additionally, the integration of advanced technologies such as AI and Big Data Analytics enables large companies to conduct detailed financial assessments and risk evaluations, leading to more informed borrowing decisions. As the market continues to evolve, large enterprises are expected to increasingly embrace smart lending platforms to meet their financing needs.

Financial Institutions:

Financial institutions, including banks and credit unions, are increasingly adopting smart lending platforms to enhance their lending processes and improve customer experience. By leveraging technology, these institutions can streamline loan origination, automate credit assessments, and offer personalized lending solutions. The shift towards digital solutions is driven by the need to remain competitive in a rapidly changing financial landscape, where customer expectations are evolving. Furthermore, financial institutions are recognizing the importance of data-driven insights in making informed lending decisions. As a result, the collaboration between traditional financial institutions and fintech companies is expected to drive innovation and growth within the smart lending market.

Non-Banking Financial Companies:

Non-Banking Financial Companies (NBFCs) are playing a pivotal role in the smart lending market by offering alternative financing solutions to underserved populations and businesses. These institutions often have more flexible lending criteria compared to traditional banks, making it easier for borrowers to access funds. The rise of NBFCs is particularly notable in emerging markets, where they fill the financing gap for individuals and businesses that lack access to traditional banking services. As NBFCs increasingly leverage technology to enhance their lending capabilities, the demand for smart lending solutions is expected to grow, further contributing to the overall market expansion.

By Service Type

Credit Assessment:

Credit assessment services are crucial in the smart lending market, as they determine the creditworthiness of borrowers and inform lending decisions. These services utilize advanced algorithms and data analytics to evaluate various factors, including credit history, income, and repayment capacity. By streamlining the credit assessment process, lending platforms can provide quicker approvals and reduce the risk of defaults. Furthermore, the integration of AI and machine learning technologies enables more accurate credit scoring models, allowing lenders to identify potential borrowers who may have been overlooked by traditional credit assessment methods. As demand for efficient and reliable credit assessment services continues to rise, this segment is expected to see significant growth.

Loan Origination:

Loan origination services are essential in the smart lending market, encompassing the entire process from loan application to disbursement. Advanced technology has transformed the loan origination process, allowing lenders to automate tasks, improve efficiency, and provide a seamless customer experience. Digital platforms enable borrowers to submit applications online, reducing paperwork and processing times. Additionally, the use of data analytics facilitates real-time decision-making, leading to quicker loan approvals. As more consumers and businesses seek convenient and accessible lending options, the loan origination segment is poised for substantial growth in the coming years.

Risk Management:

Risk management services are vital for lenders in the smart lending market, as they help identify, assess, and mitigate potential risks associated with lending activities. By utilizing advanced analytics and predictive modeling, lenders can proactively manage credit risks and minimize defaults. The integration of technologies such as artificial intelligence and machine learning enhances the accuracy of risk assessments, allowing lenders to make data-driven decisions. Furthermore, effective risk management strategies empower lenders to optimize their portfolios and ensure long-term sustainability. As the competitive landscape becomes increasingly dynamic, the demand for robust risk management services is expected to rise.

Loan Servicing:

Loan servicing is a critical component of the smart lending market, ensuring the effective management of loans throughout their lifecycle. This includes activities such as payment processing, customer support, and monitoring of loan performance. Advanced technology has streamlined loan servicing processes, enabling lenders to efficiently manage large volumes of loans and provide timely support to borrowers. The integration of automated systems enhances accuracy and reduces operational costs, improving overall service quality. As customer expectations evolve, the demand for efficient loan servicing solutions will continue to grow, further driving market expansion.

Others:

The "Others" segment encompasses various ancillary services that support the smart lending market, including compliance management, customer relationship management, and data security solutions. These services play a crucial role in enhancing the overall efficiency and effectiveness of lending platforms. With the increasing regulatory scrutiny in the financial sector, compliance management services are becoming essential for lenders to navigate complex regulations and maintain operational integrity. Additionally, as cyber threats continue to rise, data security solutions are crucial for protecting sensitive borrower information. As the lending landscape evolves, the demand for diverse and comprehensive services in this segment is expected to increase.

By Region

The Smart Lending Platform Market exhibits notable growth across various regions, with North America leading the charge due to its well-established financial services sector and high adoption of technology. The region is projected to account for approximately 40% of the global market share by 2035, primarily driven by the increasing demand for digital lending solutions and the presence of numerous fintech companies. Moreover, a growing emphasis on financial inclusion and the use of advanced technologies such as AI and Big Data Analytics are further propelling the market in North America. The projected CAGR for the North American segment is 14%, indicating sustained growth in the coming years.

Europe is also experiencing significant growth in the smart lending market, driven by technological advancements and changing consumer preferences. The region is projected to account for about 28% of the global market share by 2035. The increasing number of startups and innovative lending platforms in countries such as the UK, Germany, and France is contributing to market expansion. Additionally, favorable regulatory environments and an emphasis on digital transformation in the financial sector are further boosting the adoption of smart lending solutions. The projected CAGR for Europe stands at 13%, highlighting the region's potential for growth in this domain.

Opportunities

The Smart Lending Platform Market presents numerous opportunities for growth, particularly as consumer behavior continues to shift towards digital solutions. As more individuals and businesses seek quick and convenient access to credit, lending platforms that leverage advanced technologies such as AI, machine learning, and blockchain are well-positioned to capture market share. Additionally, the increasing focus on financial inclusion opens new avenues for lending platforms to cater to underserved populations, creating opportunities to develop tailored products and services. Furthermore, collaborations between traditional financial institutions and fintech companies can lead to innovative lending solutions that enhance customer experiences and streamline lending processes. As the market evolves, companies that prioritize technological advancements and customer-centric approaches will find ample opportunities for growth.

Another emerging opportunity lies in the growing trend of sustainable and socially responsible lending. As consumers become more environmentally and socially conscious, there is a rising demand for lending platforms that align with these values. Platforms that focus on funding green projects, community development initiatives, and ethical businesses can tap into this growing market segment. Additionally, advancements in technology enable lenders to effectively assess the impact of their funding on social and environmental outcomes, further enhancing their appeal to socially responsible investors. As the demand for sustainable lending solutions continues to rise, the smart lending market is poised to benefit from these emerging opportunities.

Threats

While the Smart Lending Platform Market is poised for significant growth, it also faces several threats that could impact its trajectory. One of the primary threats is the increasing competition from both traditional financial institutions and new fintech entrants. As more players enter the market, the competition intensifies, leading to pricing pressures and reduced profit margins for lending platforms. Additionally, regulatory challenges pose a significant threat to the market, as regulatory bodies worldwide are implementing stricter rules and guidelines for lending practices. Compliance with these regulations can increase operational costs for lending platforms and may require significant changes to their business models.

Another notable threat to the smart lending market is the potential for economic downturns, which can lead to increased default rates and reduced demand for lending products. Economic volatility can impact consumers' and businesses' ability to repay loans, creating risks for lenders. Furthermore, cybersecurity threats pose a significant risk in the digital lending landscape, as the increasing use of technology exposes platforms to potential data breaches and fraud. Ensuring robust security measures to protect sensitive customer information is crucial, as any breaches could undermine consumer trust and brand reputation. As the market evolves, stakeholders must remain vigilant in addressing these threats to ensure sustainable growth.

Competitor Outlook

• Upstart
• LendingClub
• Prosper
• Kiva
• SoFi
• Avant
• Fundera
• OnDeck
• Affirm
• PayPal Credit
• Chime
• Credit Karma
• Square Capital
• OneMain Financial
• Peerform

The competitive landscape of the Smart Lending Platform Market is characterized by a diverse array of players, ranging from established financial institutions to innovative fintech startups. Traditional banks are increasingly entering the digital lending space, vying for market share with established online lending platforms. This competition has prompted banks to invest in technology and collaborate with fintechs to enhance their offerings and improve customer experiences. On the other hand, fintech startups are continuously innovating and disrupting the market with their agile business models and customer-centric approaches, often providing quicker approvals and more personalized lending solutions. As a result, the competitive dynamics are continuously shifting, with companies needing to adapt to stay relevant and capture market opportunities.

Major players in the smart lending market, such as Upstart and LendingClub, have established themselves as frontrunners by leveraging advanced technologies to enhance their lending processes. Upstart, for example, utilizes AI algorithms to evaluate creditworthiness beyond traditional scoring methods, allowing them to extend credit to a wider audience. LendingClub, on the other hand, has developed a robust online marketplace that connects borrowers with investors, enabling competitive loan offers. As these companies continue to innovate, they set the tone for the industry, compelling others to follow suit.

In addition to fintech startups, traditional financial institutions are recognizing the importance of digital transformation to remain competitive. Companies such as JPMorgan Chase and Wells Fargo are investing heavily in technology to offer seamless digital lending experiences to their customers. By integrating digital solutions into their operations, these institutions aim to streamline processes, enhance customer engagement, and ultimately drive growth in the smart lending space. As competition intensifies, partnerships between traditional banks and fintech companies are expected to become more prevalent, fostering innovation and providing customers with enhanced lending options.

• 1 Appendix

  • 1.1 List of Tables
  • 1.2 List of Figures

• 2 Introduction

  • 2.1 Market Definition
  • 2.2 Scope of the Report
  • 2.3 Study Assumptions
  • 2.4 Base Currency & Forecast Periods

• 3 Market Dynamics

  • 3.1 Market Growth Factors
  • 3.2 Economic & Global Events
  • 3.3 Innovation Trends
  • 3.4 Supply Chain Analysis

• 4 Consumer Behavior

  • 4.1 Market Trends
  • 4.2 Pricing Analysis
  • 4.3 Buyer Insights

• 5 Key Player Profiles

  • 5.1 Kiva
    • 5.1.1 Business Overview
    • 5.1.2 Products & Services
    • 5.1.3 Financials
    • 5.1.4 Recent Developments
    • 5.1.5 SWOT Analysis
  • 5.2 SoFi
    • 5.2.1 Business Overview
    • 5.2.2 Products & Services
    • 5.2.3 Financials
    • 5.2.4 Recent Developments
    • 5.2.5 SWOT Analysis
  • 5.3 Avant
    • 5.3.1 Business Overview
    • 5.3.2 Products & Services
    • 5.3.3 Financials
    • 5.3.4 Recent Developments
    • 5.3.5 SWOT Analysis
  • 5.4 Chime
    • 5.4.1 Business Overview
    • 5.4.2 Products & Services
    • 5.4.3 Financials
    • 5.4.4 Recent Developments
    • 5.4.5 SWOT Analysis
  • 5.5 Affirm
    • 5.5.1 Business Overview
    • 5.5.2 Products & Services
    • 5.5.3 Financials
    • 5.5.4 Recent Developments
    • 5.5.5 SWOT Analysis
  • 5.6 OnDeck
    • 5.6.1 Business Overview
    • 5.6.2 Products & Services
    • 5.6.3 Financials
    • 5.6.4 Recent Developments
    • 5.6.5 SWOT Analysis
  • 5.7 Fundera
    • 5.7.1 Business Overview
    • 5.7.2 Products & Services
    • 5.7.3 Financials
    • 5.7.4 Recent Developments
    • 5.7.5 SWOT Analysis
  • 5.8 Prosper
    • 5.8.1 Business Overview
    • 5.8.2 Products & Services
    • 5.8.3 Financials
    • 5.8.4 Recent Developments
    • 5.8.5 SWOT Analysis
  • 5.9 Upstart
    • 5.9.1 Business Overview
    • 5.9.2 Products & Services
    • 5.9.3 Financials
    • 5.9.4 Recent Developments
    • 5.9.5 SWOT Analysis
  • 5.10 Peerform
    • 5.10.1 Business Overview
    • 5.10.2 Products & Services
    • 5.10.3 Financials
    • 5.10.4 Recent Developments
    • 5.10.5 SWOT Analysis
  • 5.11 LendingClub
    • 5.11.1 Business Overview
    • 5.11.2 Products & Services
    • 5.11.3 Financials
    • 5.11.4 Recent Developments
    • 5.11.5 SWOT Analysis
  • 5.12 Credit Karma
    • 5.12.1 Business Overview
    • 5.12.2 Products & Services
    • 5.12.3 Financials
    • 5.12.4 Recent Developments
    • 5.12.5 SWOT Analysis
  • 5.13 PayPal Credit
    • 5.13.1 Business Overview
    • 5.13.2 Products & Services
    • 5.13.3 Financials
    • 5.13.4 Recent Developments
    • 5.13.5 SWOT Analysis
  • 5.14 Square Capital
    • 5.14.1 Business Overview
    • 5.14.2 Products & Services
    • 5.14.3 Financials
    • 5.14.4 Recent Developments
    • 5.14.5 SWOT Analysis
  • 5.15 OneMain Financial
    • 5.15.1 Business Overview
    • 5.15.2 Products & Services
    • 5.15.3 Financials
    • 5.15.4 Recent Developments
    • 5.15.5 SWOT Analysis

• 6 Market Segmentation

  • 6.1 Smart Lending Platform Market, By End User
    • 6.1.1 Individuals
    • 6.1.2 SMEs
    • 6.1.3 Large Enterprises
    • 6.1.4 Financial Institutions
    • 6.1.5 Non-Banking Financial Companies
  • 6.2 Smart Lending Platform Market, By Technology
    • 6.2.1 Artificial Intelligence
    • 6.2.2 Blockchain
    • 6.2.3 Big Data Analytics
    • 6.2.4 Machine Learning
    • 6.2.5 Robotic Process Automation
  • 6.3 Smart Lending Platform Market, By Service Type
    • 6.3.1 Credit Assessment
    • 6.3.2 Loan Origination
    • 6.3.3 Risk Management
    • 6.3.4 Loan Servicing
    • 6.3.5 Others

• 7 Competitive Analysis

  • 7.1 Key Player Comparison
  • 7.2 Market Share Analysis
  • 7.3 Investment Trends
  • 7.4 SWOT Analysis

• 8 Research Methodology

  • 8.1 Analysis Design
  • 8.2 Research Phases
  • 8.3 Study Timeline

• 9 Future Market Outlook

  • 9.1 Growth Forecast
  • 9.2 Market Evolution

• 10 Geographical Overview

  • 10.1 Europe - Market Analysis
    • 10.1.1 By Country
      • 10.1.1.1 UK
      • 10.1.1.2 France
      • 10.1.1.3 Germany
      • 10.1.1.4 Spain
      • 10.1.1.5 Italy
  • 10.2 Asia Pacific - Market Analysis
    • 10.2.1 By Country
      • 10.2.1.1 India
      • 10.2.1.2 China
      • 10.2.1.3 Japan
      • 10.2.1.4 South Korea
  • 10.3 Latin America - Market Analysis
    • 10.3.1 By Country
      • 10.3.1.1 Brazil
      • 10.3.1.2 Argentina
      • 10.3.1.3 Mexico
  • 10.4 North America - Market Analysis
    • 10.4.1 By Country
      • 10.4.1.1 USA
      • 10.4.1.2 Canada
  • 10.5 Middle East & Africa - Market Analysis
    • 10.5.1 By Country
      • 10.5.1.1 Middle East
      • 10.5.1.2 Africa
  • 10.6 Smart Lending Platform Market by Region

• 11 Global Economic Factors

  • 11.1 Inflation Impact
  • 11.2 Trade Policies

• 12 Technology & Innovation

  • 12.1 Emerging Technologies
  • 12.2 AI & Digital Trends
  • 12.3 Patent Research

• 13 Investment & Market Growth

  • 13.1 Funding Trends
  • 13.2 Future Market Projections

• 14 Market Overview & Key Insights

  • 14.1 Executive Summary
  • 14.2 Key Trends
  • 14.3 Market Challenges
  • 14.4 Regulatory Landscape

Segments Analyzed in the Report

The global Smart Lending Platform market is categorized based on

By Technology

• Artificial Intelligence
• Blockchain
• Big Data Analytics
• Machine Learning
• Robotic Process Automation

By End User

• Individuals
• SMEs
• Large Enterprises
• Financial Institutions
• Non-Banking Financial Companies

By Service Type

• Credit Assessment
• Loan Origination
• Risk Management
• Loan Servicing
• Others

By Region

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Key Players

• Upstart
• LendingClub
• Prosper
• Kiva
• SoFi
• Avant
• Fundera
• OnDeck
• Affirm
• PayPal Credit
• Chime
• Credit Karma
• Square Capital
• OneMain Financial
• Peerform