P2P & Online Lending Global Market Overview
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1 P2P & Online Lending Global Market Overview PETER RENTON Founder Lend Academy Co-founder LendIt Conference
2 Major Milestones of the Past Year Eaglewood Capital/Lending Club securitization Funding Circle Endurance Lending Network CommonBond raises $100 million Prosper gets BlackRock as equity and platform investor Banks partner with both Lending Club and Prosper SoFi completes first rated securitization Lending Club expands into small business loans Lending Club acquisition of Springstone Financial
3 Dramatic Growth SOURCE: Lend Academy
4 State of the Industry in USA in 2014
5 Estimated Loan Volumes 2014 Lending Club: $4.7 billion Prosper: $1.3 billion Others < $250m total 2015?
6 Small Business Lending is Booming
7 Small Business Lending is Booming Long term loans (3-5 years) just getting started Shorter term loans already in the billions CAN Capital Market leader OnDeck Announced OnDeck 24 Alternative data sources New ways of underwriting Movement towards marketplace lending Many different business models
8 Student Loans
9 Student Loans $1 Trillion market Focused on building community Lower yield for investors Securitization Using student loans as a launchpad SoFi Upstart
10 Real Estate
11 Real Estate Largest market opportunity: $13 trillion Tiny industry now, but could be bigger than consumer lending Easy to understand Secured loans (debt and equity) Move from REITs to online lenders Crowdfunding a project Vanity projects - Hard Rock Hotel, office building Invest in flips with none of the work
12 UK has A Dynamic Market
13 UK has A Dynamic Market Still dominated by the big three Zopa, Ratesetter, Funding Circle Now, nearly 30 platforms New players making a splash LendInvest Assetz Capital Savings model: Lend to save Robust secondary markets
14 Europe
15 CreditEase Largest p2p platform in the world, $9.6 billion originated Huge offline sales force for borrower acquisition China Rapid Finance Huge established credit card business $250 million issued Lufax Grew from $24M in 2012 to $528M in 2013 All loans are guaranteed for investors Dianrong Started by Lending Club co-founder Soul Htite China
16 Rest of the World
17 Expanding into New Areas Auto loans Equipment finance Mining Projects Medical loans Solar Energy
18 Industry is booming Over 100 platforms attending LendIt 2014 Trends Huge investor demand Companies expanding across borders Funding Circle in UK/US Ratesetter in UK/Australia Lendico operating in Europe/South Africa Banks are becoming more involved Barclays/Rainfin Westpac/SocietyOne
19 2014 Trends Securitization Eaglewood, SoFi, Insikt, OnDeck Expanding beyond Prime borrowers Lending Club Policy Code 2/Banco Santander BorrowersFirst, Peerform down to 600 FICO Freedom Financial Building out the online lending ecosystem Orchard/Notex360/NickelSteamroller P2P-Picks/LendingRobot/PeerCube/PeerTrader & others Big Data
20 2014 Trends Refocusing on the individual investor Recent changes at Lending Club, Prosper Growth by acquisition: taking over traditional lending Lending Club to Springstone the first of many The Lending Club IPO Refocusing on borrowers Creating new borrower channels
21 Consumer Lending The Development of this Asset Class Small business Student loans Real Estate Single products to multiple products Multiple products to wealth management Investors are ready
22 We are just getting started!
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