
Germany Unsecured Business Loans Market By Type (Term Business Loan, Overdraft, Loan on Business Credit Cards, Working Capital Loan, Others), By Enterprise Size (Large Enterprises, Small and Medium-sized Enterprises), By Provider (Banks, NBFCs, Credit Uni
Description
Germany Unsecured Business Loans Market By Type (Term Business Loan, Overdraft, Loan on Business Credit Cards, Working Capital Loan, Others), By Enterprise Size (Large Enterprises, Small and Medium-sized Enterprises), By Provider (Banks, NBFCs, Credit Unions): Opportunity Analysis and Industry Forecast, 2022-2031
The Germany unsecured business loans market has witnessed substantial growth during the projection period. This is attributed to continuous requirement for funding by businesses of various sizes, which is a key driver in this market. SMEs frequently pursue unsecured loans to support their expansion and fulfill immediate financial needs. Conversely, larger enterprises utilize these loans to ensure liquidity and effectively manage their working capital. This ongoing demand serves as a catalyst, maintaining the market's dynamism and competitiveness. Furthermore, the market is driven by convenience of obtaining unsecured loans. Various financial institutions, such as banks, non-banking financial companies (NBFCs), and credit unions, provide a wide array of unsecured business loans. This increased availability and the competitive nature of these providers contribute to improved accessibility for businesses.
On the other hand, the Germany unsecured business loans market faces restraints due to economic volatility, stringent regulatory requirements, and inherent risk associated with unsecured lending. Economic downturns result in reduced loan availability and stricter credit standards. Moreover, regulatory requirements increase compliance costs and limit lending capacity, affecting the supply and accessibility of unsecured loans. In addition, risk of default poses a significant constraint as lenders face potential financial losses and is expected to be hesitant to extend loans to businesses with uncertain creditworthiness. However, the Germany unsecured business loans market presents a multitude of opportunities for both businesses and financial institutions. A significant opportunity arises from addressing the distinct requirements of various enterprise sizes.
The Germany unsecured business loans market is segmented into type, enterprise size, and provider. Further, on the basis of type, the market is segregated into term business loan, overdraft, loan on business credit cards, working capital loan, and others. Depending on enterprise size, it is bifurcated into large enterprises, small and medium-sized enterprises. By provider, the market is classified into banks, NBFCs, and credit unions.
Financial institutions are expected to prioritize the creation of innovative loan products that cater to the specific needs of businesses. These products incorporate flexible repayment terms, customized interest rates, and value-added services to attract a diverse customer base. To keep pace with the ever-changing market dynamics, continuous R&D efforts are imperative. In addition, lenders are expected to allocate resources to improve risk assessment models, streamline loan processing, and enhance the overall customer experience.
Understanding the perceptions of consumers and end users is crucial for financial institutions. They ensure that their loan products are perceived as accessible, transparent, and reliable. Positive perceptions serve as a significant competitive advantage. In a market with numerous providers, competitive pricing strategies play a vital role. Lenders adopt various pricing models, such as fixed or variable interest rates, depending on their target customers and risk assessments.
The Porter’s five forces analysis analyzes the competitive scenario of the Germany unsecured business loans market and role of each stakeholder. These forces include the bargaining power of suppliers, bargaining power of buyers, threat of substitutes, threat of new entrants, and competitive rivalry.
The bargaining power of buyers in a competitive market, specifically businesses in search of unsecured loans, is considerable. They are able to select from a range of providers, thereby compelling lenders to present competitive terms. In this particular scenario, suppliers pertain to financial institutions. The market encompasses a multitude of suppliers, including both traditional banks and emerging fintech companies. This wide array of options diminishes the bargaining power of each individual supplier.
The Germany unsecured business loans market for unsecured business loans presents opportunities for new players, particularly those offering innovative digital solutions. This encourages existing players to constantly innovate to stay competitive, thus increasing the threat of new entrants. Potential alternatives in this context include alternative financing methods such as equity financing or crowdfunding. However, the threat of substitutes is relatively low as unsecured loans continue to be a preferred option for businesses. There is intense competitive rivalry among financial institutions, resulting in competitive pricing and a strong emphasis on service quality.
A SWOT analysis analyzes the Germany unsecured business loans market, which highlights its strengths, weaknesses, opportunities, and threats. The market's strengths include varied provider base, easy access to financing for businesses, and market segmentation based on enterprise size. However, the market is affected by economic volatility, stringent regulatory requirements, and risk of default. Opportunities for growth include innovative product development, technological advancements, and rise of digital lending solutions. On the other hand, the market faces threats from new entrants and fintech disruption, evolvement of customer preferences, and economic uncertainties.
Key players in the Germany unsecured business loans market are Deutsche Bank, Commerzbank, KfW Bankengruppe, ING-DiBa, HypoVereinsbank, DZ Bank, Landesbank Baden-Württemberg, Bayerische Landesbank, N26, and Funding Circle.
Key Benefits For Stakeholders
Enable informed decision-making process and offer market analysis based on current market situation and estimated future trends.
Analyze the key strategies adopted by major market players in Germany unsecured business loans market.
Assess and rank the top factors that are expected to affect the growth of Germany unsecured business loans market.
Top Player positioning provides a clear understanding of the present position of market players.
Detailed analysis of the Germany unsecured business loans market segmentation assists to determine the prevailing market opportunities.
Identify key investment pockets for various offerings in the market.
Additional company profiles with specific to client's interest
Additional country or region analysis- market size and forecast
Volume Market Size and Forecast
Key Market Segments
By Type
Term Business Loan
Overdraft
Loan on Business Credit Cards
Working Capital Loan
Others
By Enterprise Size
Large Enterprises
Small and Medium-sized Enterprises
By Provider
Banks
NBFCs
Credit Unions
Key Market Players
Deutsche Bank
Commerzbank
KfW Bankengruppe
ING-DiBa
HypoVereinsbank
DZ Bank
Landesbank Baden-Württemberg
Bayerische Landesbank
N26
Funding Circle
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Table of Contents
77 Pages
- CHAPTER 1: INTRODUCTION
- 1.1. Report Description
- 1.2. Key Market Segments
- 1.3. Key Benefits to the Stakeholders
- 1.4. Research Methodology
- 1.4.1. Primary Research
- 1.4.2. Secondary Research
- 1.4.3. Analyst Tools and Models
- CHAPTER 2: EXECUTIVE SUMMARY
- 2.1. CXO Perspective
- CHAPTER 3: MARKET OVERVIEW
- 3.1. Market Definition and Scope
- 3.2. Key Findings
- 3.2.1. Top Impacting Factors
- 3.2.2. Top Investment Pockets
- 3.3. Porter’s Five Forces Analysis
- 3.4. Market Dynamics
- 3.4.1. Drivers
- 3.4.2. Restraints
- 3.4.3. Opportunities
- 3.5. COVID-19 Impact Analysis on the market
- CHAPTER 4: GERMANY UNSECURED BUSINESS LOANS MARKET, BY TYPE
- 4.1. Overview
- 4.1.1. Market Size and Forecast, By Type
- 4.2. Term Business Loan
- 4.3. Overdraft
- 4.4. Loan on Business Credit Cards
- 4.5. Working Capital Loan
- 4.6. Others
- CHAPTER 5: GERMANY UNSECURED BUSINESS LOANS MARKET, BY ENTERPRISE SIZE
- 5.1. Overview
- 5.1.1. Market Size and Forecast, By Enterprise Size
- 5.2. Large Enterprises
- 5.3. Small and Medium-sized Enterprises
- CHAPTER 6: GERMANY UNSECURED BUSINESS LOANS MARKET, BY PROVIDER
- 6.1. Overview
- 6.1.1. Market Size and Forecast, By Provider
- 6.2. Banks
- 6.3. NBFCs
- 6.4. Credit Unions
- CHAPTER 7: COMPETITIVE LANDSCAPE
- 7.1. Introduction
- 7.2. Top winning strategies
- 7.3. Product Mapping of Top 10 Player
- 7.4. Competitive Dashboard
- 7.5. Competitive Heatmap
- 7.6. Top player positioning, 2021
- CHAPTER 8: COMPANY PROFILES
- 8.1. Deutsche Bank
- 8.1.1. Company overview
- 8.1.2. Key Executives
- 8.1.3. Company snapshot
- 8.1.4. Operating business segments
- 8.1.5. Product portfolio
- 8.1.6. Business performance
- 8.1.7. Key strategic moves and developments
- 8.2. Commerzbank
- 8.2.1. Company overview
- 8.2.2. Key Executives
- 8.2.3. Company snapshot
- 8.2.4. Operating business segments
- 8.2.5. Product portfolio
- 8.2.6. Business performance
- 8.2.7. Key strategic moves and developments
- 8.3. KfW Bankengruppe
- 8.3.1. Company overview
- 8.3.2. Key Executives
- 8.3.3. Company snapshot
- 8.3.4. Operating business segments
- 8.3.5. Product portfolio
- 8.3.6. Business performance
- 8.3.7. Key strategic moves and developments
- 8.4. ING-DiBa
- 8.4.1. Company overview
- 8.4.2. Key Executives
- 8.4.3. Company snapshot
- 8.4.4. Operating business segments
- 8.4.5. Product portfolio
- 8.4.6. Business performance
- 8.4.7. Key strategic moves and developments
- 8.5. HypoVereinsbank
- 8.5.1. Company overview
- 8.5.2. Key Executives
- 8.5.3. Company snapshot
- 8.5.4. Operating business segments
- 8.5.5. Product portfolio
- 8.5.6. Business performance
- 8.5.7. Key strategic moves and developments
- 8.6. DZ Bank
- 8.6.1. Company overview
- 8.6.2. Key Executives
- 8.6.3. Company snapshot
- 8.6.4. Operating business segments
- 8.6.5. Product portfolio
- 8.6.6. Business performance
- 8.6.7. Key strategic moves and developments
- 8.7. Landesbank Baden-Württemberg
- 8.7.1. Company overview
- 8.7.2. Key Executives
- 8.7.3. Company snapshot
- 8.7.4. Operating business segments
- 8.7.5. Product portfolio
- 8.7.6. Business performance
- 8.7.7. Key strategic moves and developments
- 8.8. Bayerische Landesbank
- 8.8.1. Company overview
- 8.8.2. Key Executives
- 8.8.3. Company snapshot
- 8.8.4. Operating business segments
- 8.8.5. Product portfolio
- 8.8.6. Business performance
- 8.8.7. Key strategic moves and developments
- 8.9. N26
- 8.9.1. Company overview
- 8.9.2. Key Executives
- 8.9.3. Company snapshot
- 8.9.4. Operating business segments
- 8.9.5. Product portfolio
- 8.9.6. Business performance
- 8.9.7. Key strategic moves and developments
- 8.10. Funding Circle
- 8.10.1. Company overview
- 8.10.2. Key Executives
- 8.10.3. Company snapshot
- 8.10.4. Operating business segments
- 8.10.5. Product portfolio
- 8.10.6. Business performance
- 8.10.7. Key strategic moves and developments
- LIST OF TABLES
- TABLE 01. GERMANY UNSECURED BUSINESS LOANS MARKET, BY TYPE, 2021-2031 ($BILLION)
- TABLE 02. GERMANY UNSECURED BUSINESS LOANS MARKET, BY ENTERPRISE SIZE, 2021-2031 ($BILLION)
- TABLE 03. GERMANY UNSECURED BUSINESS LOANS MARKET, BY PROVIDER, 2021-2031 ($BILLION)
- TABLE 04. DEUTSCHE BANK: KEY EXECUTIVES
- TABLE 05. DEUTSCHE BANK: COMPANY SNAPSHOT
- TABLE 06. DEUTSCHE BANK: OPERATING SEGMENTS
- TABLE 07. DEUTSCHE BANK: PRODUCT PORTFOLIO
- TABLE 08. DEUTSCHE BANK: KEY STRATERGIES
- TABLE 09. COMMERZBANK: KEY EXECUTIVES
- TABLE 10. COMMERZBANK: COMPANY SNAPSHOT
- TABLE 11. COMMERZBANK: OPERATING SEGMENTS
- TABLE 12. COMMERZBANK: PRODUCT PORTFOLIO
- TABLE 13. COMMERZBANK: KEY STRATERGIES
- TABLE 14. KFW BANKENGRUPPE: KEY EXECUTIVES
- TABLE 15. KFW BANKENGRUPPE: COMPANY SNAPSHOT
- TABLE 16. KFW BANKENGRUPPE: OPERATING SEGMENTS
- TABLE 17. KFW BANKENGRUPPE: PRODUCT PORTFOLIO
- TABLE 18. KFW BANKENGRUPPE: KEY STRATERGIES
- TABLE 19. ING-DIBA: KEY EXECUTIVES
- TABLE 20. ING-DIBA: COMPANY SNAPSHOT
- TABLE 21. ING-DIBA: OPERATING SEGMENTS
- TABLE 22. ING-DIBA: PRODUCT PORTFOLIO
- TABLE 23. ING-DIBA: KEY STRATERGIES
- TABLE 24. HYPOVEREINSBANK: KEY EXECUTIVES
- TABLE 25. HYPOVEREINSBANK: COMPANY SNAPSHOT
- TABLE 26. HYPOVEREINSBANK: OPERATING SEGMENTS
- TABLE 27. HYPOVEREINSBANK: PRODUCT PORTFOLIO
- TABLE 28. HYPOVEREINSBANK: KEY STRATERGIES
- TABLE 29. DZ BANK: KEY EXECUTIVES
- TABLE 30. DZ BANK: COMPANY SNAPSHOT
- TABLE 31. DZ BANK: OPERATING SEGMENTS
- TABLE 32. DZ BANK: PRODUCT PORTFOLIO
- TABLE 33. DZ BANK: KEY STRATERGIES
- TABLE 34. LANDESBANK BADEN-WÜRTTEMBERG: KEY EXECUTIVES
- TABLE 35. LANDESBANK BADEN-WÜRTTEMBERG: COMPANY SNAPSHOT
- TABLE 36. LANDESBANK BADEN-WÜRTTEMBERG: OPERATING SEGMENTS
- TABLE 37. LANDESBANK BADEN-WÜRTTEMBERG: PRODUCT PORTFOLIO
- TABLE 38. LANDESBANK BADEN-WÜRTTEMBERG: KEY STRATERGIES
- TABLE 39. BAYERISCHE LANDESBANK: KEY EXECUTIVES
- TABLE 40. BAYERISCHE LANDESBANK: COMPANY SNAPSHOT
- TABLE 41. BAYERISCHE LANDESBANK: OPERATING SEGMENTS
- TABLE 42. BAYERISCHE LANDESBANK: PRODUCT PORTFOLIO
- TABLE 43. BAYERISCHE LANDESBANK: KEY STRATERGIES
- TABLE 44. N26: KEY EXECUTIVES
- TABLE 45. N26: COMPANY SNAPSHOT
- TABLE 46. N26: OPERATING SEGMENTS
- TABLE 47. N26: PRODUCT PORTFOLIO
- TABLE 48. N26: KEY STRATERGIES
- TABLE 49. FUNDING CIRCLE: KEY EXECUTIVES
- TABLE 50. FUNDING CIRCLE: COMPANY SNAPSHOT
- TABLE 51. FUNDING CIRCLE: OPERATING SEGMENTS
- TABLE 52. FUNDING CIRCLE: PRODUCT PORTFOLIO
- TABLE 53. FUNDING CIRCLE: KEY STRATERGIES
- LIST OF FIGURES
- FIGURE 01. GERMANY UNSECURED BUSINESS LOANS MARKET, 2021-2031
- FIGURE 02. SEGMENTATION OF GERMANY UNSECURED BUSINESS LOANS MARKET, 2021-2031
- FIGURE 03. TOP INVESTMENT POCKETS IN GERMANY UNSECURED BUSINESS LOANS MARKET (2022-2031)
- FIGURE 04. PORTER FIVE-1
- FIGURE 05. PORTER FIVE-2
- FIGURE 06. PORTER FIVE-3
- FIGURE 07. PORTER FIVE-4
- FIGURE 08. PORTER FIVE-5
- FIGURE 09. DRIVERS, RESTRAINTS AND OPPORTUNITIES: GERMANY UNSECURED BUSINESS LOANS MARKET
- FIGURE 10. GERMANY UNSECURED BUSINESS LOANS MARKET,BY TYPE, 2021 ($BILLION)
- FIGURE 11. GERMANY UNSECURED BUSINESS LOANS MARKET,BY ENTERPRISE SIZE, 2021 ($BILLION)
- FIGURE 12. GERMANY UNSECURED BUSINESS LOANS MARKET,BY PROVIDER, 2021 ($BILLION)
- FIGURE 13. TOP WINNING STRATEGIES, BY YEAR
- FIGURE 14. TOP WINNING STRATEGIES, BY DEVELOPMENT
- FIGURE 15. TOP WINNING STRATEGIES, BY COMPANY
- FIGURE 16. PRODUCT MAPPING OF TOP 10 PLAYERS
- FIGURE 17. COMPETITIVE DASHBOARD
- FIGURE 18. COMPETITIVE HEATMAP: GERMANY UNSECURED BUSINESS LOANS MARKET
- FIGURE 19. TOP PLAYER POSITIONING, 2021
- FIGURE 20. DEUTSCHE BANK: NET SALES, 2020-2022* ($BILLION)
- FIGURE 21. DEUTSCHE BANK: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 22. DEUTSCHE BANK: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 23. COMMERZBANK: NET SALES, 2020-2022* ($BILLION)
- FIGURE 24. COMMERZBANK: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 25. COMMERZBANK: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 26. KFW BANKENGRUPPE: NET SALES, 2020-2022* ($BILLION)
- FIGURE 27. KFW BANKENGRUPPE: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 28. KFW BANKENGRUPPE: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 29. ING-DIBA: NET SALES, 2020-2022* ($BILLION)
- FIGURE 30. ING-DIBA: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 31. ING-DIBA: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 32. HYPOVEREINSBANK: NET SALES, 2020-2022* ($BILLION)
- FIGURE 33. HYPOVEREINSBANK: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 34. HYPOVEREINSBANK: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 35. DZ BANK: NET SALES, 2020-2022* ($BILLION)
- FIGURE 36. DZ BANK: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 37. DZ BANK: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 38. LANDESBANK BADEN-WÜRTTEMBERG: NET SALES, 2020-2022* ($BILLION)
- FIGURE 39. LANDESBANK BADEN-WÜRTTEMBERG: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 40. LANDESBANK BADEN-WÜRTTEMBERG: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 41. BAYERISCHE LANDESBANK: NET SALES, 2020-2022* ($BILLION)
- FIGURE 42. BAYERISCHE LANDESBANK: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 43. BAYERISCHE LANDESBANK: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 44. N26: NET SALES, 2020-2022* ($BILLION)
- FIGURE 45. N26: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 46. N26: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
- FIGURE 47. FUNDING CIRCLE: NET SALES, 2020-2022* ($BILLION)
- FIGURE 48. FUNDING CIRCLE: REVENUE SHARE, BY SEGMENT, 2021 (%)
- FIGURE 49. FUNDING CIRCLE: REVENUE SHARE, BY GEOGRAPHY, 2021 (%)
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