ResearchMoz.us includes new market research report " Unsecured Loans to Business in the UK to 2019: Global Industry Size, Shares, Growth, Analysis, Trends And Forecast" to its huge collection of research reports.
The main theme throughout the review period was new lending recovering and growing substantially in the latter years - 13.4% thought 2014 - but the outstanding stock of business lending continued to fall due even sharper growth in repayments, which reached 15.3% in 2014 from 2013.
Net lending to small and medium-sized businesses was positive during four of the six months to March 2015, increasing by 1% from December 2014, while net lending to large businesses increased almost by 2% during the three months to March 2015. Gross lending to all businesses has registered growth since the start of 2013, mainly due to an increase in the availability of credit. Outstanding lending declined during 2014, despite increased gross lending, due to a substantial growth in repayments: 15%, 13% and 22% for small, medium-sized and large business respectively.
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Interest rates remain at a historic low, and have been falling consistently since the Bank of England cut the central bank rate to 0.5% in 2009. The Bank for England’s quarterly Credit Conditions survey found that lending rates to small businesses remained broadly unchanged during the first quarter of 2015, while respondents indicated that rates had fallen significantly for medium-sized and large businesses.
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The rise of the emergency 0.5% bank rate is set to make access to credit more expensive for banks, and subsequently, for businesses. With banks already wary of lending to smaller businesses, this may result in a decline in loan approvals, while businesses themselves are likely to be deterred by the prospect of more expensive loans. The Office for Budget Responsibility (OBR) altered its forecast in March 2015 and anticipates the rise to occur in mid-2016, as opposed to later this year. This gives banks and businesses extra time to prepare for the additional costs while the economy grows.
The industry is dominated by mainstream banks, with the ‘big four’ of Royal Bank of Scotland, Lloyds, Barclays and HSBC controlling over 80% of the market. Regulations and high costs make it a difficult industry to enter. Therefore, any real competition is sparse, although peer-to-peer lending has risen sharply over the last few years – it almost doubled in 2013 – after offering smaller businesses a viable alternative if bank loans are unavailable or too expensive.
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Reasons To Buy:-
- Gain an understanding of the UK business lending industry
- Access monthly and annual statistics on every aspect of the market, both in written form and in graphs and tables.
- Read analysis of the relevant market statistics, detailing what has been happening in the lending to business market for both SMEs and large businesses, why it has been happening, and what to expect in the coming years.
- Read about the economic factors impacting the market.
- Read about how individual banks and building societies are affecting the market, in terms of market share and innovation.
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