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Working Capital Loan Market - In-Deep Analysis Focusing on Market Share

Global Working Capital Loan Market By Type ( Banks, Non-Banking Financial Institutions, Others ), By Application ( Business, Individuals ), By Region and Key Companies - Industry Analysis, Size, Share, Growth, Trends and Forecast 2021 – 2026

  • Report ID : IMR-14585 |
  • Category : Service Industry  |
  • Published Date : March 2021 |
  • Format :   IMR Report Formats   IMR Report Formats   IMR Report Formats

Global Working Capital Loan Market Overview

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. A working capital loan is 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 working capital loan 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

By Type, Working Capital Loan has been segmented into:

  • Banks
  • Non-Banking Financial Institutions
  • Others

By Application, Working Capital Loan has been segmented into:

  • Business
  • Individuals

Regions and Countries Level Analysis:

  • North America (U.S., Canada, Mexico)
  • Europe (Germany, U.K., France, Italy, Russia, Spain etc.)
  • Asia-Pacific (China, India, Japan, Southeast Asia etc.)
  • South America (Brazil, Argentina etc.)
  • Middle East & Africa (Saudi Arabia, South Africa etc.)

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, working capital loan 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 working 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

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.


Frequently Asked Questions :

Table of Content

1. Market Overview of Working Capital Loan
	1.1 Working Capital Loan Market Overview
		1.1.1 Working Capital Loan Product Scope
		1.1.2 Market Status and Outlook
	1.2 Working Capital Loan Market Size by Regions: 2015 VS 2021 VS 2026
	1.3 Working Capital Loan Historic Market Size by Regions (2015-2020)
	1.4 Working Capital Loan Forecasted Market Size by Regions (2021-2026)
	1.5 Covid-19 Impact on Key Regions, Keyword Market Size YoY Growth (2015-2026)
		1.5.1 North America
		1.5.2 East Asia
		1.5.3 Europe
		1.5.4 South Asia
		1.5.5 Southeast Asia
		1.5.6 Middle East
		1.5.7 Africa
		1.5.8 Oceania
		1.5.9 South America
		1.5.10 Rest of the World
	1.6 Coronavirus Disease 2019 (Covid-19) Impact Will Have a Severe Impact on Global Growth
		1.6.1 Covid-19 Impact: Global GDP Growth, 2019, 2020 and 2021 Projections
		1.6.2 Covid-19 Impact: Commodity Prices Indices
		1.6.3 Covid-19 Impact: Global Major Government Policy
2. Covid-19 Impact Working Capital Loan Sales Market by Type (2015-2026)
	2.1 Global Working Capital Loan Historic Market Size by Type (2015-2020)
	2.2 Global Working Capital Loan Forecasted Market Size by Type (2021-2026)
	2.3 Banks
	2.4 Non-Banking Financial Institutions
	2.5 Others
3. Covid-19 Impact Working Capital Loan Sales Market by Application (2015-2026)
	3.1 Global Working Capital Loan Historic Market Size by Application (2015-2020)
	3.2 Global Working Capital Loan Forecasted Market Size by Application (2021-2026)
	3.3 Business
	3.4 Individuals
4. Covid-19 Impact Market Competition by Manufacturers
	4.1 Global Working Capital Loan Production Capacity Market Share by Manufacturers (2015-2020)
	4.2 Global Working Capital Loan Revenue Market Share by Manufacturers (2015-2020)
	4.3 Global Working Capital Loan Average Price by Manufacturers (2015-2020)
5. Company Profiles and Key Figures in Working Capital Loan Business
	5.1 U.S. Bancorp
		5.1.1 U.S. Bancorp Company Profile
		5.1.2 U.S. Bancorp Working Capital Loan Product Specification
		5.1.3 U.S. Bancorp Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.2 Bank of America Corporation
		5.2.1 Bank of America Corporation Company Profile
		5.2.2 Bank of America Corporation Working Capital Loan Product Specification
		5.2.3 Bank of America Corporation Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.3 Wells Fargo & Company
		5.3.1 Wells Fargo & Company Company Profile
		5.3.2 Wells Fargo & Company Working Capital Loan Product Specification
		5.3.3 Wells Fargo & Company Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.4 Citibank
		5.4.1 Citibank Company Profile
		5.4.2 Citibank Working Capital Loan Product Specification
		5.4.3 Citibank Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.5 JPMorgan Chase & Co.
		5.5.1 JPMorgan Chase & Co. Company Profile
		5.5.2 JPMorgan Chase & Co. Working Capital Loan Product Specification
		5.5.3 JPMorgan Chase & Co. Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.6 BB&T
		5.6.1 BB&T Company Profile
		5.6.2 BB&T Working Capital Loan Product Specification
		5.6.3 BB&T Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.7 PNC Financial Services Group Inc
		5.7.1 PNC Financial Services Group Inc Company Profile
		5.7.2 PNC Financial Services Group Inc Working Capital Loan Product Specification
		5.7.3 PNC Financial Services Group Inc Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.8 Regions Financial Corporation
		5.8.1 Regions Financial Corporation Company Profile
		5.8.2 Regions Financial Corporation Working Capital Loan Product Specification
		5.8.3 Regions Financial Corporation Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.9 JPMorgan Chase Bank
		5.9.1 JPMorgan Chase Bank Company Profile
		5.9.2 JPMorgan Chase Bank Working Capital Loan Product Specification
		5.9.3 JPMorgan Chase Bank Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
	5.10 Citibank
		5.10.1 Citibank Company Profile
		5.10.2 Citibank Working Capital Loan Product Specification
		5.10.3 Citibank Working Capital Loan Production Capacity, Revenue, Price and Gross Margin (2015-2020)
6. North America
	6.1 North America Working Capital Loan Market Size (2015-2026)
	6.2 North America Working Capital Loan Key Players in North America (2015-2020)
	6.3 North America Working Capital Loan Market Size by Type (2015-2020)
	6.4 North America Working Capital Loan Market Size by Application (2015-2020)
7. East Asia
	7.1 East Asia Working Capital Loan Market Size (2015-2026)
	7.2 East Asia Working Capital Loan Key Players in North America (2015-2020)
	7.3 East Asia Working Capital Loan Market Size by Type (2015-2020)
	7.4 East Asia Working Capital Loan Market Size by Application (2015-2020)
8. Europe
	8.1 Europe Working Capital Loan Market Size (2015-2026)
	8.2 Europe Working Capital Loan Key Players in North America (2015-2020)
	8.3 Europe Working Capital Loan Market Size by Type (2015-2020)
	8.4 Europe Working Capital Loan Market Size by Application (2015-2020)
9. South Asia
	9.1 South Asia Working Capital Loan Market Size (2015-2026)
	9.2 South Asia Working Capital Loan Key Players in North America (2015-2020)
	9.3 South Asia Working Capital Loan Market Size by Type (2015-2020)
	9.4 South Asia Working Capital Loan Market Size by Application (2015-2020)
10. Southeast Asia
	10.1 Southeast Asia Working Capital Loan Market Size (2015-2026)
	10.2 Southeast Asia Working Capital Loan Key Players in North America (2015-2020)
	10.3 Southeast Asia Working Capital Loan Market Size by Type (2015-2020)
	10.4 Southeast Asia Working Capital Loan Market Size by Application (2015-2020)
11. Middle East
	11.1 Middle East Working Capital Loan Market Size (2015-2026)
	11.2 Middle East Working Capital Loan Key Players in North America (2015-2020)
	11.3 Middle East Working Capital Loan Market Size by Type (2015-2020)
	11.4 Middle East Working Capital Loan Market Size by Application (2015-2020)
12. Africa
	12.1 Africa Working Capital Loan Market Size (2015-2026)
	12.2 Africa Working Capital Loan Key Players in North America (2015-2020)
	12.3 Africa Working Capital Loan Market Size by Type (2015-2020)
	12.4 Africa Working Capital Loan Market Size by Application (2015-2020)
13. Oceania
	13.1 Oceania Working Capital Loan Market Size (2015-2026)
	13.2 Oceania Working Capital Loan Key Players in North America (2015-2020)
	13.3 Oceania Working Capital Loan Market Size by Type (2015-2020)
	13.4 Oceania Working Capital Loan Market Size by Application (2015-2020)
14. South America
	14.1 South America Working Capital Loan Market Size (2015-2026)
	14.2 South America Working Capital Loan Key Players in North America (2015-2020)
	14.3 South America Working Capital Loan Market Size by Type (2015-2020)
	14.4 South America Working Capital Loan Market Size by Application (2015-2020)
15. Rest of the World
	15.1 Rest of the World Working Capital Loan Market Size (2015-2026)
	15.2 Rest of the World Working Capital Loan Key Players in North America (2015-2020)
	15.3 Rest of the World Working Capital Loan Market Size by Type (2015-2020)
	15.4 Rest of the World Working Capital Loan Market Size by Application (2015-2020)
16 Working Capital Loan Market Dynamics
	16.1 Covid-19 Impact Market Top Trends
	16.2 Covid-19 Impact Market Drivers
	16.3 Covid-19 Impact Market Challenges
	16.4 Porter’s Five Forces Analysis
18 Regulatory Information
17 Analyst's Viewpoints/Conclusions
18 Appendix
	18.1 Research Methodology
		18.1.1 Methodology/Research Approach
		18.1.2 Data Source
	18.2 Disclaimer
Tables and figures
Table Main Market Activities by Regions
Table Market Revenue (M USD) and Growth Rate 2014-2019
Table Major Players
Table Market Revenue (M USD) and Growth Rate 2014-2019
Table Major Players
Table Market Revenue (M USD) and Growth Rate 2014-2019
Table Major Players
Table Market Revenue (M USD) and Growth Rate 2014-2019
Table Major Players
Table Market Revenue (M USD) and Growth Rate 2014-2019
Table Major Players
Table Major Production Market share by Players 2018
Table Major Revenue (M USD) Market share by Players 2018
Table Production Market share by Major Regions in 2014-2019
Table Production Market share by Major Regions in 2019-2021
Table Revenue (M USD) Market share by Regions in 2014-2019
Table Revenue (M USD) Market share by Regions in 2019-2021
Table Industry Supply chain Analysis
Table Raw material Prices Analysis 2014-2019
Table Raw material Suppliers Market Analysis
Table Manufacturing Equipment Suppliers Analysis
Figure Production Process Analysis
Figure Production Cost Structure
Table major End Users by Regions
Table U.S. Bancorp Information List
Figure Working Capital Loan Picture, Specifications and Applications of U.S. Bancorp
Table Working Capital Loan Sales Volume, Price, Operating Cost, Operating Profits, Revenue (M USD) and Profits Margin of U.S. Bancorp 2018-2019
Figure Working Capital Loan Sales Volume and World Market Share of U.S. Bancorp 2018-2019
Table  Bank of America Corporation Information List
Figure Working Capital Loan Picture, Specifications and Applications of  Bank of America Corporation
Table Working Capital Loan Sales Volume, Price, Operating Cost, Operating Profits, Revenue (M USD) and Profits Margin of  Bank of America Corporation 2018-2019
Figure Working Capital Loan Sales Volume and World Market Share of  Bank of America Corporation 2018-2019
Table  Wells Fargo & Company Information List
Figure Working Capital Loan Picture, Specifications and Applications of  Wells Fargo & Company
Table Working Capital Loan Sales Volume, Price, Operating Cost, Operating Profits, Revenue (M USD) and Profits Margin of 2018-2019
Figure Working Capital Loan Sales Volume and World Market Share of  Wells Fargo & Company 2018-2019
Table Business Locations
Figure Supply channels
Figure marketing strategy
Table Major Distributors and contact information by Regions
Table Major Customers and contact information by Regions
Table USA Supply, Import, Export, Consumption and Consumption Value (M USD)
Table Germany Supply, Import, Export, Consumption and Consumption Value (M USD)
Table China Supply, Import, Export, Consumption and Consumption Value (M USD)
Table Japan Supply, Import, Export, Consumption and Consumption Value (M USD)
Table India Supply, Import, Export, Consumption and Consumption Value (M USD)
Table World Demand by Regions Forecast Analysis of Working Capital Loan (2019-2021)
Table World Price by Regions Forecast Analysis of Working Capital Loan (2019-2021)
Table World Price by Types Forecast Analysis of Working Capital Loan (2019-2021)
Table World Price by Applications Forecast Analysis of Working Capital Loan (2019-2021)
Table World Revenue (M USD) by Regions Forecast Analysis of Working Capital Loan (2019-2021)
Table World Revenue (M USD) by Types Forecast Analysis of Working Capital Loan (2019-2021)
Table World Revenue (M USD) by Applications Forecast Analysis of Working Capital Loan (2019-2021)
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