Dublin, Jan. 05, 2026 (GLOBE NEWSWIRE) — The “Saudi Arabia Alternative Lending Market Size & Forecast by Value and Volume Across 100+ KPIs by Type of Lending, End-User Segments, Loan Purpose, Finance Models, Distribution Channels, and Payment Instruments – Databook Q4 2025 Update” report has been added to ResearchAndMarkets.com’s offering.
Alternative lending market in Saudi Arabia is expected to grow by 16.6% annually, reaching US$3.71 billion by 2025. The alternative lending market in the country has experienced robust growth during 2020-2024, achieving a CAGR of 15.5%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 14.1% from 2025 to 2029. By the end of 2029, the alternative lending market is projected to expand from its 2024 value of US$3.18 billion to approximately US$6.29 billion.
This report provides a detailed data-centric analysis of the alternative lending industry in Saudi Arabia, offering comprehensive coverage of both overall and alternative lending markets. It covers more than 100+ KPIs, including loan disbursement value, loan disbursement volume, average loan ticket size, and penetration rate.
The report offers in-depth segmentation across lending dimensions, including type of lending (Bank-based/NBFC and Alternative Lending), end-user segments (Retail Lending and SME/MSME Lending), and loan types. It further categorizes the alternative lending ecosystem by finance models (P2P Marketplace, Balance Sheet, Invoice Trading, Real Estate Crowdfunding, and Other Models), distribution channels (Branch/Physical, Direct Digital, and Agent/Broker), and payment instruments (Credit Transfer, Debit Card, E-Money, and Others).
In addition, the analysis captures borrower demographics by age, income, and gender, alongside delinquency performance indicators. Collectively, these datasets provide a comprehensive and quantifiable view of market size, structure, lending behavior, and risk dynamics within the lending ecosystem.
Reasons to buy
- Comprehensive Market Intelligence: Gain an integrated view of the overall and alternative lending landscape, combining macroeconomic context with detailed lending performance indicators such as loan disbursement value, volume, and average ticket size.
- Granular Coverage of Alternative Lending: Explore the fast-evolving alternative lending ecosystem, including peer-to-peer (P2P) marketplaces, balance sheet lending, invoice trading, real estate crowdfunding, and hybrid finance models, supported by in-depth segmentation by end-user, loan purpose, and payment instrument.
- Segment-Wise Insights and Cross-Analysis: Evaluate lending trends across consumer and SME/MSME segments, using advanced cross-segmentation to link finance models, loan purposes, and payment methods, offering a comprehensive understanding of credit origination dynamics.
- Borrower-Level Behavioral Analytics: Understand borrower demographics and credit behavior through data on age, income level, gender distribution, and delinquency rates (30-day and 90-day), enabling sharper credit risk assessment and customer targeting.
- Digital Infrastructure and Ecosystem Readiness: Assess the enabling digital ecosystem including smartphone penetration, internet access, digital wallet adoption, and real-time payments infrastructure that underpins the growth of fintech-driven lending models.
- Data-Driven Forecasts and KPI Benchmarking: Access a comprehensive dataset of 100+ key performance indicators (KPIs) with historical and forecast data through 2030, providing visibility into emerging lending trends, growth drivers, and investment opportunities.
- Decision-Ready Databook Format: Delivered in a data-centric, easy-to-analyze format, the Databook supports integration into financial models, strategy decks, and investor presentations, enabling stakeholders, including banks, fintechs, investors, and policymakers, to make informed, evidence-based decisions.
Key Attributes:
| Report Attribute | Details |
| No. of Pages | 200 |
| Forecast Period | 2025 – 2029 |
| Estimated Market Value (USD) in 2025 | $3.71 Billion |
| Forecasted Market Value (USD) by 2029 | $6.29 Billion |
| Compound Annual Growth Rate | 14.1% |
| Regions Covered | Saudi Arabia |
Report Scope
Macroeconomic Overview: Saudi Arabia Economic Indicators
- Saudi Arabia by Gross Domestic Product (Current Prices)
- Saudi Arabia by Population
- Saudi Arabia Unemployment Rate
Operational Enablers and Infrastructure Readiness
- Smartphone Penetration
- Internet Connectivity & Broadband Access
- Digital Wallet Adoption Rate
- Real-Time Payments Infrastructure
- E-commerce Penetration
Saudi Arabia Lending Market Size and Growth Dynamics
- Loan Disbursement Value
- Loan Disbursement Volume
- Average Loan Ticket Size
Saudi Arabia Lending Market Segmentation by Lending Type
- Bank-based / NBFC Lending
- Alternative Lending
Saudi Arabia Lending Market Segmentation by End-User
- Retail Lending
- SME / MSME Lending
Saudi Arabia Retail Lending Market Segmentation by Loan Purpose
- Housing / Mortgage Loans
- Auto Loans
- Education Loans
- Personal Loans
- Other Retail Loan Types (e.g., BNPL, Travel, Green Loans, Payday)
Saudi Arabia SME / MSME Lending Market Segmentation by Loan Purpose
- Working Capital Loans
- Expansion Loans
- Equipment / Machinery Loans
- Invoice Financing / Factoring
- Trade Finance (Import / Export)
- Real Estate / Commercial Property Loans
- Other SME Lending (e.g., Digital Adoption, Franchise Financing)
Saudi Arabia Lending Market Segmentation by Distribution Channel
- Branch / Physical
- Direct Digital Lending
- Agent / Broker Channel
Saudi Arabia Alternative Lending Market Size and Growth Dynamics
- Loan Disbursement Value
- Loan Disbursement Volume
- Average Loan Ticket Size
Saudi Arabia Alternative Lending Market Segmentation by End-User
- Consumer Lending
- SME / MSME Lending
Saudi Arabia Alternative Lending Market Segmentation by Finance Models
- P2P Marketplace
- Balance Sheet Lending
- Invoice Trading
- Real Estate Crowdfunding
- Other / Hybrid Models
Combined View: Finance Models by End-User Segments
- P2P Marketplace – Consumer Lending / SME Lending / Property Lending
- Balance Sheet Lending – Consumer Lending / SME Lending / Property Lending
Saudi Arabia Alternative Lending by Loan Purpose – Consumer Lending
- Personal Loans
- Payroll Advance
- Home Improvement Loans
- Education / Student Loans
- Point-of-Sale (POS) Credit
- Auto Loans
- Medical Loans
- Other Consumer Lending Types
Saudi Arabia Alternative Lending by Loan Purpose – SME / MSME Lending
- Lines of Credit
- Merchant Cash Advance
- Invoice Factoring
- Revenue-Based Financing
- Other SME Loan Types
Saudi Arabia Alternative Lending Segmentation by Payment Instrument
- Credit Transfer
- Debit Card
- E-Money
- Other Instruments
Cross-Segmentation: Finance Models across Payment Instruments
- P2P Marketplace across Credit Transfer / Debit Card / E-Money / Other
- Balance Sheet Lending by Payment Instrument
- Invoice Trading by Payment Instrument
- Real Estate Crowdfunding by Payment Instrument
- Other Models by Payment Instrument
Saudi Arabia Alternative Lending – Borrower-Level Insights: Consumer Demographics & Behavior
- Borrower Distribution by Age Group
- Borrower Distribution by Income Level
- Borrower Distribution by Gender
Saudi Arabia Alternative Lending Credit Risk & Quality Metrics
- Delinquency Rate (30 Days / 90 Days), 2024
For more information about this report visit https://www.researchandmarkets.com/r/5vfwp6
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- Saudi Arabian Alternative Lending Market
