Poland Alternative Lending Databook Report 2025: Market to Grow by 14.2% to Reach $2.42 Billion this Year – Forecast to 2029 – ResearchAndMarkets.com

DUBLIN–(BUSINESS WIRE)–The “Poland 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 Poland is expected to grow by 14.2% annually, reaching US$2.42 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 13.2% from 2025 to 2029. By the end of 2029, the alternative lending market is projected to expand from its 2024 value of US$2.12 billion to approximately US$3.98 billion.

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

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.

The analyst’s research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.

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 Scope

Macroeconomic Overview: Poland Economic Indicators

• Poland by Gross Domestic Product (Current Prices)
• Poland by Population
• Poland Unemployment Rate

Operational Enablers and Infrastructure Readiness

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

Poland Lending Market Size and Growth Dynamics

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

Poland Lending Market Segmentation by Lending Type

• Bank-based / NBFC Lending
• Alternative Lending

Poland Lending Market Segmentation by End-User

• Retail Lending
• SME / MSME Lending

Poland 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)

Poland 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)

Poland Lending Market Segmentation by Distribution Channel

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

Poland Alternative Lending Market Size and Growth Dynamics

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

Poland Alternative Lending Market Segmentation by End-User

• Consumer Lending
• SME / MSME Lending

Poland 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

Poland 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

Poland Alternative Lending by Loan Purpose – SME / MSME Lending

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

Poland 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

Poland Alternative Lending – Borrower-Level Insights: Consumer Demographics & Behavior

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

Poland 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/cjf7mr

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