Published by Wanda Rich
Posted on July 9, 2025
Cyprus, June 27, 2025 — MD Finance, a fast-growing technology company providing financial services across global markets, has published its latest industry report, “The New Era of Peer-to-Peer Lending”, offering an in-depth analysis of the rapidly evolving alternative lending market.
Key insights from the report
According to industry data cited in the report, the global peer-to-peer (P2P) lending market is expected to grow at a CAGR of 14.37%, reaching USD 238 billion by 2030. This growth is fueled by rising demand for fast alternative lending solutions, increased digitization of financial services, and a growing shift away from slow traditional banking’s layered processes.
According to the report, consumer lending continues to dominate the market, accounting for 84% of volume, with real estate making up 12%, while SME-focused models account for 4%.
One of the report’s key themes is the shift toward regulatory maturity. As of 2023, 59 platforms in the EU have obtained licenses under the European Crowdfunding Service Provider (ECSP) regulation, enabling them to conduct cross-border operations and provide stronger investor protections. Platforms like Mintos, PeerBerry, and Twino have already transitioned into licensed models, while new entrants like Esketit and Lendermarket are gaining investor share rapidly.
The report identifies countries from the Baltic region, such as Latvia, Estonia, and Lithuania, as the most active hubs for P2P innovation. These markets have favorable regulatory environments and rapid digital adoption, which is increasing the demand for alternative financial products.
Companies such as Robocash (€1B), Swaper (€800M), VIAINVEST (€600M), and Estateguru (€850M) are just a few of the players crossing significant funding milestones in early 2025. Meanwhile, newer entrants like Esketit (€800M), Lendermarket (€400M), and Profitus (€273M) show rising momentum in both volume and investor adoption.
"To capitalize on emerging opportunities, fintech can focus on enhancing platform security, integrating AI for user risk assessment, and expanding into underserved geographic markets," says Oleksandr Bielokhin, Senior Market Research & Analysis Specialist at MD Finance. "Innovation potential particularly lies in leveraging data analytics to personalize loan offers and applying ML for more precise credit scoring, refining the user experience while effectively managing risk. Ongoing consumer education to demystify P2P lending can also support market growth."
Challenges ahead
MD Finance also highlights ongoing challenges, including fragmented regulation, growing compliance burdens, and credit risk exposure in fast-scaling platforms. Still, the overall direction is one of professionalization and transparency, with open-data platforms outperforming their closed-data peers in both retention and growth.
About MD Finance
Founded in 2015, MD Finance is a fast-growing technology company providing financial services across global markets. With over 12 million loan applications processed across its product ecosystem, the company combines proven business models with AI-powered decisioning to deliver fast and simple financial products.
Download the full report here.
Media contact:
Helen Rudenko
pr@mdfin.com
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