Consumer Lending Industry

NAICS: 522291

For additional companies see the Nondepository Credit Intermediation Industry

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

Company	Headquarters	Revenue ($ MM)
SYNCHRONY FINANCIAL	Stamford, CT	100
SOCIAL FINANCE	San Francisco, CA	29
TITLEMAX OF GEORGIA	Savannah, GA	29
UPSTART NETWORK	San Mateo, CA	26
ADVANCE AMERICA CASH ADVANCE CENTERS	Spartanburg, SC	23
MARINER FINANCE	Baltimore, MD	22
ENOVA INTERNATIONAL (NYSE: ENVA)	Chicago, IL	21
PROG HOLDINGS	Draper, UT	21
SECURITY GROUP	Spartansburg, SC	21
REGIONAL MANAGEMENT (NYSE: RM)	Greer, SC	20
SLM CORP SALLIE	Newark, DE	19
PLS FINANCIAL SERVICES	Chicago, IL	18
FREEDOM FINANCIAL ASSET MANAGEMENT	San Mateo, CA	17
CREDIT ACCEPTANCE (NASDAQ: CACC)	Southfield, MI	17
STELLANTIS FINANCIAL SERVICES	Houston, TX	17
SECURITY FINANCE CORPORATION OF SPARTANBURG	Spartanburg, SC	15
OPORTUN	San Carlos, CA	15
SNAP FINANCE	West Valley City, UT	14
NAVIENT (NASDAQ: NAVI)	Herndon, VA	14

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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