Working Capital Loan Market Overview

The Working Capital Loan Market is expected to grow at a significant growth rate, and the analysis period is 2022-2028, considering base year as 2021.

A working capital loan is used to meet a company's short-term financial needs, such as payroll payments, short-term operations, bill payments, and trade credit. Bank overdrafts or lines of credit, short-term secured loans, and trade credit are all examples of working capital loans available on the market. The intended to supplement temporary working capital constraints with outside financing. Working capital loans can be used for many items, like tactical positioning of the business.

Similarly, a business owner can obtain a working capital loan in order to take advantage of any supplier discounts on large purchases. Such an investment in a resource that the company would need may be vital to the company's health and profit margins. Working capital loans are not often used for long-term assets and acquisitions, since there are other types of lending that provide better interest rates for this type of investment.

Working Capital Loan Market Dynamics

Due to a rise in the number of investors in recent years, the working capital loan market has expanded and is expected to expand during the forecast period. These loans are short-term business loans with one-year maturity duration. Furthermore, these loans are simple to obtain; however, they cannot be used to purchase or invest in long-term properties. Working capital loans are motivated by growth illiquidity in small companies, a high need for leveraging loans to fund debt, and the availability of simple and collateral-free loans. However, many factors such as a high risk of default and interest rate fluctuations stifle the development of the industry.

Furthermore, the industry is expected to benefit from the growth of startups in emerging economies, which are often in need of working capital, as well as the increased use of new technologies in the lending process. To modernize their commercial lending industry, banks and financial institutions are implementing digitization solutions. This move is primarily the product of increased competition among banks and rising demand for a more streamlined and expedited commercial lending process. Commercial loan approvals can be expedited thanks to digitization, which can otherwise be a time-consuming and wasteful method. It also helps banks to reach new consumer segments and provide customer-centric solutions, resulting in increased productivity in the working capital loan industry.

Market Segmentation

Increase in Adoption of Working Capital Loans and Applications

Over 28% of companies reported using banks to fund their working capital globally. For example, according to several research studies, the sanctions in India doubled from March to April 2020. Firms that use working capital loans have risen to 26% in East Asia-Pacific. Similarly, in Latin America, banks account for over 41% of working capital funding. Non-banking financial firms are now expanding their capital loan businesses around the world. Reduced participation of banks in issuing cash flow-oriented loans and growing penetration of NBFCs in offering working capital loans have been major factors in the growth of non-banking financial companies (NBFC) loans in recent years.

Players Covered in Working Capital Loan market are :

• U.S. Bancorp
• Bank of America Corporation
• Wells Fargo & Company
• Citibank
• JPMorgan Chase & Co.
• BB&T
• PNC Financial Services Group Inc
• Regions Financial Corporation
• JPMorgan Chase Bank
• Citibank and other major players.

To improve their role in the global working capital loan industry, these businesses have used a range of strategies, including product releases, alliances, agreements, mergers and acquisitions, and joint ventures.

New Launches To Boost The Working Capital Loan Market

To draw a wide base of borrowers, the working capital loan industry introduces new offerings on a regular basis. For instance, in April 2020, the Indian Overseas Bank began providing working capital loans to the agriculture sector in response to the COVID-19 pandemic. Similarly, in May 2020, smartphone behemoth Xiao revealed that it will begin offering working capital loans to its offline retail customers.

Chapter 1: Introduction
 1.1 Research Objectives
 1.2 Research Methodology
 1.3 Research Process
 1.4 Scope and Coverage
  1.4.1 Market Definition
  1.4.2 Key Questions Answered
 1.5 Market Segmentation

Chapter 2:Executive Summary

Chapter 3:Growth Opportunities By Segment
 3.1 By Type
 3.2 By Application

Chapter 4: Market Landscape
 4.1 Porter's Five Forces Analysis
  4.1.1 Bargaining Power of Supplier
  4.1.2 Threat of New Entrants
  4.1.3 Threat of Substitutes
  4.1.4 Competitive Rivalry
  4.1.5 Bargaining Power Among Buyers
 4.2 Industry Value Chain Analysis
 4.3 Market Dynamics
  3.5.1 Drivers
  3.5.2 Restraints
  3.5.3 Opportunities
  3.5.4 Challenges
 4.4 Pestle Analysis
 4.5 Technological Roadmap
 4.6 Regulatory Landscape
 4.7 SWOT Analysis
 4.8 Price Trend Analysis
 4.9 Patent Analysis
 4.10 Analysis of the Impact of Covid-19
  4.10.1 Impact on the Overall Market
  4.10.2 Impact on the Supply Chain
  4.10.3 Impact on the Key Manufacturers
  4.10.4 Impact on the Pricing

Chapter 4: Working Capital Loan Market by Type
 4.1 Working Capital Loan Market Overview Snapshot and Growth Engine
 4.2 Working Capital Loan Market Overview
 4.3 Banks
  4.3.1 Introduction and Market Overview
  4.3.2 Historic and Forecasted Market Size (2016-2028F)
  4.3.3 Key Market Trends, Growth Factors and Opportunities
  4.3.4 Banks: Grographic Segmentation
 4.4 Non-Banking Financial Institutions
  4.4.1 Introduction and Market Overview
  4.4.2 Historic and Forecasted Market Size (2016-2028F)
  4.4.3 Key Market Trends, Growth Factors and Opportunities
  4.4.4 Non-Banking Financial Institutions: Grographic Segmentation
 4.5 Others
  4.5.1 Introduction and Market Overview
  4.5.2 Historic and Forecasted Market Size (2016-2028F)
  4.5.3 Key Market Trends, Growth Factors and Opportunities
  4.5.4 Others: Grographic Segmentation

Chapter 5: Working Capital Loan Market by Application
 5.1 Working Capital Loan Market Overview Snapshot and Growth Engine
 5.2 Working Capital Loan Market Overview
 5.3 Business
  5.3.1 Introduction and Market Overview
  5.3.2 Historic and Forecasted Market Size (2016-2028F)
  5.3.3 Key Market Trends, Growth Factors and Opportunities
  5.3.4 Business: Grographic Segmentation
 5.4 Individuals
  5.4.1 Introduction and Market Overview
  5.4.2 Historic and Forecasted Market Size (2016-2028F)
  5.4.3 Key Market Trends, Growth Factors and Opportunities
  5.4.4 Individuals: Grographic Segmentation

Chapter 6: Company Profiles and Competitive Analysis
 6.1 Competitive Landscape
  6.1.1 Competitive Positioning
  6.1.2 Working Capital Loan Sales and Market Share By Players
  6.1.3 Industry BCG Matrix
  6.1.4 Ansoff Matrix
  6.1.5 Working Capital Loan Industry Concentration Ratio (CR5 and HHI)
  6.1.6 Top 5 Working Capital Loan Players Market Share
  6.1.7 Mergers and Acquisitions
  6.1.8 Business Strategies By Top Players
 6.2 U.S. BANCORP
  6.2.1 Company Overview
  6.2.2 Key Executives
  6.2.3 Company Snapshot
  6.2.4 Operating Business Segments
  6.2.5 Product Portfolio
  6.2.6 Business Performance
  6.2.7 Key Strategic Moves and Recent Developments
  6.2.8 SWOT Analysis
 6.3 BANK OF AMERICA CORPORATION
 6.4 WELLS FARGO & COMPANY
 6.5 CITIBANK
 6.6 JPMORGAN CHASE & CO.
 6.7 BB&T
 6.8 PNC FINANCIAL SERVICES GROUP INC
 6.9 REGIONS FINANCIAL CORPORATION
 6.10 JPMORGAN CHASE BANK
 6.11 CITIBANK

Chapter 7: Global Working Capital Loan Market Analysis, Insights and Forecast, 2016-2028
 7.1 Market Overview
 7.2 Historic and Forecasted Market Size By Type
  7.2.1 Banks
  7.2.2 Non-Banking Financial Institutions
  7.2.3 Others
 7.3 Historic and Forecasted Market Size By Application
  7.3.1 Business
  7.3.2 Individuals

Chapter 8: North America Working Capital Loan Market Analysis, Insights and Forecast, 2016-2028
 8.1 Key Market Trends, Growth Factors and Opportunities
 8.2 Impact of Covid-19
 8.3 Key Players
 8.4 Key Market Trends, Growth Factors and Opportunities
 8.4 Historic and Forecasted Market Size By Type
  8.4.1 Banks
  8.4.2 Non-Banking Financial Institutions
  8.4.3 Others
 8.5 Historic and Forecasted Market Size By Application
  8.5.1 Business
  8.5.2 Individuals
 8.6 Historic and Forecast Market Size by Country
  8.6.1 U.S.
  8.6.2 Canada
  8.6.3 Mexico

Chapter 9: Europe Working Capital Loan Market Analysis, Insights and Forecast, 2016-2028
 9.1 Key Market Trends, Growth Factors and Opportunities
 9.2 Impact of Covid-19
 9.3 Key Players
 9.4 Key Market Trends, Growth Factors and Opportunities
 9.4 Historic and Forecasted Market Size By Type
  9.4.1 Banks
  9.4.2 Non-Banking Financial Institutions
  9.4.3 Others
 9.5 Historic and Forecasted Market Size By Application
  9.5.1 Business
  9.5.2 Individuals
 9.6 Historic and Forecast Market Size by Country
  9.6.1 Germany
  9.6.2 U.K.
  9.6.3 France
  9.6.4 Italy
  9.6.5 Russia
  9.6.6 Spain

Chapter 10: Asia-Pacific Working Capital Loan Market Analysis, Insights and Forecast, 2016-2028
 10.1 Key Market Trends, Growth Factors and Opportunities
 10.2 Impact of Covid-19
 10.3 Key Players
 10.4 Key Market Trends, Growth Factors and Opportunities
 10.4 Historic and Forecasted Market Size By Type
  10.4.1 Banks
  10.4.2 Non-Banking Financial Institutions
  10.4.3 Others
 10.5 Historic and Forecasted Market Size By Application
  10.5.1 Business
  10.5.2 Individuals
 10.6 Historic and Forecast Market Size by Country
  10.6.1 China
  10.6.2 India
  10.6.3 Japan
  10.6.4 Southeast Asia

Chapter 11: South America Working Capital Loan Market Analysis, Insights and Forecast, 2016-2028
 11.1 Key Market Trends, Growth Factors and Opportunities
 11.2 Impact of Covid-19
 11.3 Key Players
 11.4 Key Market Trends, Growth Factors and Opportunities
 11.4 Historic and Forecasted Market Size By Type
  11.4.1 Banks
  11.4.2 Non-Banking Financial Institutions
  11.4.3 Others
 11.5 Historic and Forecasted Market Size By Application
  11.5.1 Business
  11.5.2 Individuals
 11.6 Historic and Forecast Market Size by Country
  11.6.1 Brazil
  11.6.2 Argentina

Chapter 12: Middle East & Africa Working Capital Loan Market Analysis, Insights and Forecast, 2016-2028
 12.1 Key Market Trends, Growth Factors and Opportunities
 12.2 Impact of Covid-19
 12.3 Key Players
 12.4 Key Market Trends, Growth Factors and Opportunities
 12.4 Historic and Forecasted Market Size By Type
  12.4.1 Banks
  12.4.2 Non-Banking Financial Institutions
  12.4.3 Others
 12.5 Historic and Forecasted Market Size By Application
  12.5.1 Business
  12.5.2 Individuals
 12.6 Historic and Forecast Market Size by Country
  12.6.1 Saudi Arabia
  12.6.2 South Africa

Chapter 13 Investment Analysis

Chapter 14 Analyst Viewpoint and Conclusion

LIST OF TABLES

TABLE 001. EXECUTIVE SUMMARY
TABLE 002. WORKING CAPITAL LOAN MARKET BARGAINING POWER OF SUPPLIERS
TABLE 003. WORKING CAPITAL LOAN MARKET BARGAINING POWER OF CUSTOMERS
TABLE 004. WORKING CAPITAL LOAN MARKET COMPETITIVE RIVALRY
TABLE 005. WORKING CAPITAL LOAN MARKET THREAT OF NEW ENTRANTS
TABLE 006. WORKING CAPITAL LOAN MARKET THREAT OF SUBSTITUTES
TABLE 007. WORKING CAPITAL LOAN MARKET BY TYPE
TABLE 008. BANKS MARKET OVERVIEW (2016-2028)
TABLE 009. NON-BANKING FINANCIAL INSTITUTIONS MARKET OVERVIEW (2016-2028)
TABLE 010. OTHERS MARKET OVERVIEW (2016-2028)
TABLE 011. WORKING CAPITAL LOAN MARKET BY APPLICATION
TABLE 012. BUSINESS MARKET OVERVIEW (2016-2028)
TABLE 013. INDIVIDUALS MARKET OVERVIEW (2016-2028)
TABLE 014. NORTH AMERICA WORKING CAPITAL LOAN MARKET, BY TYPE (2016-2028)
TABLE 015. NORTH AMERICA WORKING CAPITAL LOAN MARKET, BY APPLICATION (2016-2028)
TABLE 016. N WORKING CAPITAL LOAN MARKET, BY COUNTRY (2016-2028)
TABLE 017. EUROPE WORKING CAPITAL LOAN MARKET, BY TYPE (2016-2028)
TABLE 018. EUROPE WORKING CAPITAL LOAN MARKET, BY APPLICATION (2016-2028)
TABLE 019. WORKING CAPITAL LOAN MARKET, BY COUNTRY (2016-2028)
TABLE 020. ASIA PACIFIC WORKING CAPITAL LOAN MARKET, BY TYPE (2016-2028)
TABLE 021. ASIA PACIFIC WORKING CAPITAL LOAN MARKET, BY APPLICATION (2016-2028)
TABLE 022. WORKING CAPITAL LOAN MARKET, BY COUNTRY (2016-2028)
TABLE 023. MIDDLE EAST & AFRICA WORKING CAPITAL LOAN MARKET, BY TYPE (2016-2028)
TABLE 024. MIDDLE EAST & AFRICA WORKING CAPITAL LOAN MARKET, BY APPLICATION (2016-2028)
TABLE 025. WORKING CAPITAL LOAN MARKET, BY COUNTRY (2016-2028)
TABLE 026. SOUTH AMERICA WORKING CAPITAL LOAN MARKET, BY TYPE (2016-2028)
TABLE 027. SOUTH AMERICA WORKING CAPITAL LOAN MARKET, BY APPLICATION (2016-2028)
TABLE 028. WORKING CAPITAL LOAN MARKET, BY COUNTRY (2016-2028)
TABLE 029. U.S. BANCORP: SNAPSHOT
TABLE 030. U.S. BANCORP: BUSINESS PERFORMANCE
TABLE 031. U.S. BANCORP: PRODUCT PORTFOLIO
TABLE 032. U.S. BANCORP: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 032. BANK OF AMERICA CORPORATION: SNAPSHOT
TABLE 033. BANK OF AMERICA CORPORATION: BUSINESS PERFORMANCE
TABLE 034. BANK OF AMERICA CORPORATION: PRODUCT PORTFOLIO
TABLE 035. BANK OF AMERICA CORPORATION: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 035. WELLS FARGO & COMPANY: SNAPSHOT
TABLE 036. WELLS FARGO & COMPANY: BUSINESS PERFORMANCE
TABLE 037. WELLS FARGO & COMPANY: PRODUCT PORTFOLIO
TABLE 038. WELLS FARGO & COMPANY: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 038. CITIBANK: SNAPSHOT
TABLE 039. CITIBANK: BUSINESS PERFORMANCE
TABLE 040. CITIBANK: PRODUCT PORTFOLIO
TABLE 041. CITIBANK: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 041. JPMORGAN CHASE & CO.: SNAPSHOT
TABLE 042. JPMORGAN CHASE & CO.: BUSINESS PERFORMANCE
TABLE 043. JPMORGAN CHASE & CO.: PRODUCT PORTFOLIO
TABLE 044. JPMORGAN CHASE & CO.: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 044. BB&T: SNAPSHOT
TABLE 045. BB&T: BUSINESS PERFORMANCE
TABLE 046. BB&T: PRODUCT PORTFOLIO
TABLE 047. BB&T: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 047. PNC FINANCIAL SERVICES GROUP INC: SNAPSHOT
TABLE 048. PNC FINANCIAL SERVICES GROUP INC: BUSINESS PERFORMANCE
TABLE 049. PNC FINANCIAL SERVICES GROUP INC: PRODUCT PORTFOLIO
TABLE 050. PNC FINANCIAL SERVICES GROUP INC: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 050. REGIONS FINANCIAL CORPORATION: SNAPSHOT
TABLE 051. REGIONS FINANCIAL CORPORATION: BUSINESS PERFORMANCE
TABLE 052. REGIONS FINANCIAL CORPORATION: PRODUCT PORTFOLIO
TABLE 053. REGIONS FINANCIAL CORPORATION: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 053. JPMORGAN CHASE BANK: SNAPSHOT
TABLE 054. JPMORGAN CHASE BANK: BUSINESS PERFORMANCE
TABLE 055. JPMORGAN CHASE BANK: PRODUCT PORTFOLIO
TABLE 056. JPMORGAN CHASE BANK: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 056. CITIBANK: SNAPSHOT
TABLE 057. CITIBANK: BUSINESS PERFORMANCE
TABLE 058. CITIBANK: PRODUCT PORTFOLIO
TABLE 059. CITIBANK: KEY STRATEGIC MOVES AND DEVELOPMENTS

LIST OF FIGURES

FIGURE 001. YEARS CONSIDERED FOR ANALYSIS
FIGURE 002. SCOPE OF THE STUDY
FIGURE 003. WORKING CAPITAL LOAN MARKET OVERVIEW BY REGIONS
FIGURE 004. PORTER'S FIVE FORCES ANALYSIS
FIGURE 005. BARGAINING POWER OF SUPPLIERS
FIGURE 006. COMPETITIVE RIVALRYFIGURE 007. THREAT OF NEW ENTRANTS
FIGURE 008. THREAT OF SUBSTITUTES
FIGURE 009. VALUE CHAIN ANALYSIS
FIGURE 010. PESTLE ANALYSIS
FIGURE 011. WORKING CAPITAL LOAN MARKET OVERVIEW BY TYPE
FIGURE 012. BANKS MARKET OVERVIEW (2016-2028)
FIGURE 013. NON-BANKING FINANCIAL INSTITUTIONS MARKET OVERVIEW (2016-2028)
FIGURE 014. OTHERS MARKET OVERVIEW (2016-2028)
FIGURE 015. WORKING CAPITAL LOAN MARKET OVERVIEW BY APPLICATION
FIGURE 016. BUSINESS MARKET OVERVIEW (2016-2028)
FIGURE 017. INDIVIDUALS MARKET OVERVIEW (2016-2028)
FIGURE 018. NORTH AMERICA WORKING CAPITAL LOAN MARKET OVERVIEW BY COUNTRY (2016-2028)
FIGURE 019. EUROPE WORKING CAPITAL LOAN MARKET OVERVIEW BY COUNTRY (2016-2028)
FIGURE 020. ASIA PACIFIC WORKING CAPITAL LOAN MARKET OVERVIEW BY COUNTRY (2016-2028)
FIGURE 021. MIDDLE EAST & AFRICA WORKING CAPITAL LOAN MARKET OVERVIEW BY COUNTRY (2016-2028)
FIGURE 022. SOUTH AMERICA WORKING CAPITAL LOAN MARKET OVERVIEW BY COUNTRY (2016-2028)