A new report from MD Finance, titled "Global Lending Groups Performance in Q1 2025," reveals a robust start to the year for non-bank international lending groups.
The report, based on early Q1 results from 37 groups operating across 60 countries, highlights a rise in partnerships, market expansion, regulatory challenges, and developments in the funding landscape across the sector.
Non-bank international lending groups play a significant role in the credit landscape, providing services ranging from short-term credit and installment loans to BNPL and revenue-based financing. The Q1 2025 report provides early insights into the financial performance, strategic moves, and market dynamics shaping this sector.
While only a limited number of companies have disclosed Q1 2025 figures so far, the early data is promising:
- Credit Saison continues to show stable performance and maintains the highest revenue and consistently strong profit margins year-after-year among disclosed companies, reporting €760.4M in revenue for Q1 2025.
- European group 4finance also demonstrated growth, reporting €444.4M in revenue for Q1 2025.
Beyond financial results, Q1 2025 was marked by significant market activity. Six groups expanded their services into new markets, seeking growth in regions with high demand and limited traditional financial access.
Strategic partnerships also provided crucial capital and infrastructure, with examples including Eleving partnering with Airtel for smartphone financing in Uganda and Fingular collaborating with inDrive for driver loans.
The report also touches on challenges, noting instances of regulatory penalties for non-compliance. Cases involving Aventus Group, Eleving (Mogo Kenya), 4finance, and Sunfinance highlight the critical importance for fintech companies to prioritize transparency, responsible lending, and compliance with local regulations.
For a deeper dive into the performance of prominent market players and a comprehensive overview of the sector, the full report is available for download here: https://www.mdfin.com/post/global-alternative-lending-groups-performance-in-q1-2025
MD Finance is a global fintech company with extensive expertise in loan automation, credit scoring, and fraud prevention. Since 2015, it has developed fintech products that set industry standards and serve millions of people. The company has processed over 12 million credit applications and continues to expand into new markets and grow its product portfolio.