IncFact
Company Profiles: Revenue, Growth, Competition

Consumer Lending Industry

NAICS: 522291

For additional companies see the Nondepository Credit Intermediation Industry

Contents

.Consumer Lending Market Share: Largest Companies in the Consumer Lending Industry

Company HeadquartersRevenue ($ MM)
SYNCHRONY FINANCIALStamford, CT100 
SOCIAL FINANCESan Francisco, CA29 
TITLEMAX OF GEORGIASavannah, GA29 
UPSTART NETWORKSan Mateo, CA26 
ADVANCE AMERICA CASH ADVANCE CENTERSSpartanburg, SC23 
MARINER FINANCEBaltimore, MD22 
ENOVA INTERNATIONAL (NYSE: ENVA)Chicago, IL21 
SECURITY GROUPSpartansburg, SC21 
REGIONAL MANAGEMENT (NYSE: RM)Greer, SC20 
PROG HOLDINGSDraper, UT20 
SLM CORP SALLIENewark, DE19 
PLS FINANCIAL SERVICESChicago, IL18 
FREEDOM FINANCIAL ASSET MANAGEMENTSan Mateo, CA17 
STELLANTIS FINANCIAL SERVICESHouston, TX17 
CREDIT ACCEPTANCE (NASDAQ: CACC)Southfield, MI16 
SECURITY FINANCE CORPORATION OF SPARTANBURGSpartanburg, SC15 
OPORTUNSan Carlos, CA15 
SNAP FINANCEWest Valley City, UT14 
NAVIENT (NASDAQ: NAVI)Herndon, VA14 


See exact company revenues in this list


This is a list of the largest companies active in the Consumer Lending industry. This differs from market share in the following example: One business with revenues of $100 million generates 10% of its business from the Consumer Lending industry. A second firm, with revenues of $20 million, generates all of its business from this industry. In our list, we show the businesses having revenues of $100 million and $20 million, respectively. However, the market share would compare the $10 million in industry-specific revenue to the $20 million: the second company has twice the market share even though it is "smaller" in size.


.Growth: Fastest Growing Consumer Lending Companies

A list of competitors in the Consumer Lending industry that are rapidly expanding. Businesses may grow organically or through acquisition. Typically, small or midsized companies are in "growth" mode and can expand more rapidly. However, large businesses may have the strategy and financial capabilities to scale rapidly. Businesses that employ a "roll-up" strategy make multiple acquisitions of smaller businesses to form a single large corporation that controls a greater market share than its competitors and benefits from economies of scale.

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.Small Business Financing

Small businesses that have received financing may expand soon. Financing may be required for capital-intensive investments, such as real estate or equipment purchases. Consumer Lending businesses may use the financing to cover startup expenses or the costs of hiring new employees. Loans differ from equity investments in the level of risk that is expected: loans frequently have collateral either directly or implicitly through the business or the owners that ensure repayment. Equity investment has the possibility for much greater returns, but offers no guarantee the principle will be repaid. Convertible securities combine the two concepts, but is used by private-equity firms rather than main street startups.

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. Venture Funding

These Consumer Lending companies are actively raising capital from venture capital firms, private equity, or other investors. Businesses with venture funding generally have higher growth prospects, either through bringing new concepts to market, using innovative business practices, or savvy management.

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