United Arab Emirates Alternative Lending Market Databook Report 2025 - ResearchAndMarkets.com

DUBLIN--(BUSINESS WIRE)--The "United Arab Emirates 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 United Arab Emirates is expected to grow by 14.3% annually, reaching US$2.08 billion by 2025.

The alternative lending market in the country has experienced robust growth during 2020-2024, achieving a CAGR of 14.6%. 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$1.82 billion to approximately US$3.52 billion.

This report provides a detailed data-centric analysis of the alternative lending industry in United Arab Emirates, 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.

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	$2.08 Billion
Forecasted Market Value (USD) by 2029	$3.52 Billion
Compound Annual Growth Rate	14.1%
Regions Covered	United Arab Emirates

Report Scope

Macroeconomic Overview: United Arab Emirates Economic Indicators

• United Arab Emirates by Gross Domestic Product (Current Prices)
• United Arab Emirates by Population
• United Arab Emirates Unemployment Rate

Operational Enablers and Infrastructure Readiness

• Smartphone Penetration
• Internet Connectivity & Broadband Access
• Digital Wallet Adoption Rate
• Real-Time Payments Infrastructure
• E-commerce Penetration

United Arab Emirates Lending Market Size and Growth Dynamics

• Loan Disbursement Value
• Loan Disbursement Volume
• Average Loan Ticket Size

United Arab Emirates Lending Market Segmentation by Lending Type

• Bank-based / NBFC Lending
• Alternative Lending

United Arab Emirates Lending Market Segmentation by End-User

• Retail Lending
• SME / MSME Lending

United Arab Emirates 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)

United Arab Emirates 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)

United Arab Emirates Lending Market Segmentation by Distribution Channel

• Branch / Physical
• Direct Digital Lending
• Agent / Broker Channel

United Arab Emirates Alternative Lending Market Size and Growth Dynamics

• Loan Disbursement Value
• Loan Disbursement Volume
• Average Loan Ticket Size

United Arab Emirates Alternative Lending Market Segmentation by End-User

• Consumer Lending
• SME / MSME Lending

United Arab Emirates 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

United Arab Emirates 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

United Arab Emirates Alternative Lending by Loan Purpose - SME / MSME Lending

• Lines of Credit
• Merchant Cash Advance
• Invoice Factoring
• Revenue-Based Financing
• Other SME Loan Types

United Arab Emirates 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

United Arab Emirates Alternative Lending - Borrower-Level Insights: Consumer Demographics & Behavior

• Borrower Distribution by Age Group
• Borrower Distribution by Income Level
• Borrower Distribution by Gender

United Arab Emirates 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/l8pccn

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