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Italy Unsecured Business Loans Market By Type, By Enterprise Size, By Provider: Opportunity Analysis and Industry Forecast, 2022-2031

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    Report

  • 76 Pages
  • May 2023
  • Region: Italy
  • Allied Market Research
  • ID: 5916575
Description Jump to:
The Italy unsecured business loans market is expected to witness substantial growth during the forecast period. This is attributed to the availability of a wide range of loan types, catering to enterprises of varying sizes, and offered by a multitude of providers. Unsecured business loans are loans that are not backed by collateral, making them a convenient financial option for many businesses. The Italy unsecured business loans market is majorly driven by entrepreneurial landscape in Italy and rise in number of individuals who are embarking on business venture. In addition, unsecured loans offer a hassle-free and quick source of capital for these enterprises, which is a significant driving force of the market. Furthermore, the flexibility and convenience offered by unsecured loans is the prime factor driving the market growth. Further, the absence of collateral requirements streamlines the loan application process & enables businesses to access funds swiftly. This ease of access is a vital factor contributing to the growth of the market.

However, one of the key challenges is high interest rates associated with unsecured loans. In addition, economic climate and regulatory changes are expected to impact the availability of unsecured loans. Moreover, regulatory changes can affect the lending landscape, making it imperative for businesses to stay informed and adapt to evolving requirements. On the other hand, the availability of diverse types of unsecured loans offers tailored solutions to meet specific financial needs and is expected to provide lucrative opportunities for the market players. In addition, term business loans, for instance, provide long-term financing for expansion and working capital loans offer short-term solutions to manage day-to-day operations. These options are expected to provide growth opportunities for the market players in the coming years.

Moreover, digital transformation in the financial sector is expected to create potential opportunities for the market growth. Furthermore, with the emergence of online lending platforms & fintech companies, businesses have easier access to unsecured loans, which is expected to provide lucrative opportunities for the market expansion. The Italy unsecured business loans market is segmented into type, enterprise size, and provider. On the basis of type, the market is divided into term business loan, overdraft, loan on business credit cards, working capital loan, and others. By enterprise size, the market is bifurcated into large enterprises, small and medium-sized enterprises. Depending on the provider, the market is classified into banks, NBFCs, and credit unions.

The Italy unsecured business loans market is projected to experience several trends in the coming years. Technological advancement such as the emergence of digital lending in unsecured loans is the current trend of the market. In addition, online platforms play a pivotal role in shaping the market scenario, with increased automation & data-driven lending decisions.

Furthermore, several companies are focused on new product development and R&D activities. This innovation leads to the introduction of loan products that are more aligned with the evolving needs of businesses. In addition, lenders are investing in technology to streamline the loan application & approval process, reducing the time it takes for businesses to access funds. Consumer and end-user perceptions play a critical role in shaping pricing strategies.

The Porter's five forces analysis states that the bargaining power of these suppliers is influenced by factors such as their size, financial stability, and the uniqueness of their loan products. Larger banks may have more power, but competition from non-banking financial companies and credit unions can balance this force. The bargaining power of buyers is moderate due to the presence of multiple lenders. They can choose between different loan types and providers, leveraging this choice to negotiate terms and interest rates. The threat of new entrants in the market is relatively low, given the regulatory hurdles and capital requirements for financial institutions. However, the rise of fintech companies may disrupt the traditional lending landscape. The threat of substitutes in the Italy unsecured business loans market is moderate. Businesses can explore alternatives such as equity financing, venture capital, or even self-funding. However, unsecured loans remain a preferred choice due to their accessibility. The competitive rivalry in the market is intense. Banks, non-banking financial companies, and credit unions are all competing for market share, driving innovation and competitive pricing.The SWOT analysis identifies and analyzes the strengths, weaknesses, opportunities, and threats of the Italy unsecured business loans market.t. The market's strengths are its diversity of loan types, catering to different business needs. It benefits from a robust entrepreneurial ecosystem, and technological advancements are enhancing accessibility. Weaknesses of the market include high interest rates on unsecured loans which can deter potential borrowers. Economic downturns and regulatory changes pose challenges to the market. The market offers opportunities for digital transformation, streamlined processes, and online platforms. Evolving regulations can create a fair and transparent lending environment. The market faces threats from economic instability, changing regulatory landscapes, and competition from other forms of financing.

Key Benefits For Stakeholders

  • Enable informed decision-making process and offer market analysis based on current market situation and estimated future trends.
  • Analyze the key strategies adopted by major market players in Italy unsecured business loans market.
  • Assess and rank the top factors that are expected to affect the growth of Italy unsecured business loans market.
  • Top Player positioning provides a clear understanding of the present position of market players.
  • Detailed analysis of the italy unsecured business loans market segmentation assists to determine the prevailing market opportunities.
  • Identify key investment pockets for various offerings in the market.

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Key Market Segments

By Type

  • Term Business Loan
  • Overdraft
  • Loan on Business Credit Cards
  • Working Capital Loan
  • Others

By Enterprise Size

  • Large Enterprises
  • Small and Medium-sized Enterprises

By Provider

  • Banks
  • NBFCs
  • Credit Unions
  • Key Market Players
  • UniCredit S.p.A.
  • Intesa Sanpaolo S.p.A.
  • Banca Monte dei Paschi di Siena S.p.A.
  • Banco BPM S.p.A.
  • BPER Banca S.p.A.
  • Mediobanca S.p.A.
  • Credito Emiliano S.p.A. (Credem)
  • UBI Banca S.p.A.
  • Cassa di Risparmio di Genova e Imperia (Carige)
  • Banca Popolare di Sondrio S.C.p.A.

 

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Table of Contents

CHAPTER 1: INTRODUCTION
1.1. Report Description
1.2. Key Market Segments
1.3. Key Benefits to the Stakeholders
1.4. Research Methodology
CHAPTER 2: EXECUTIVE SUMMARY
2.1. CXO Perspective
CHAPTER 3: MARKET OVERVIEW
3.1. Market Definition and Scope
3.2. Key Findings
3.3. Porter’s Five Forces Analysis
3.4. Market Dynamics
3.5. COVID-19 Impact Analysis on the market
CHAPTER 4: ITALY UNSECURED BUSINESS LOANS MARKET, BY TYPE
4.1. Overview
4.2. Term Business Loan
4.3. Overdraft
4.4. Loan on Business Credit Cards
4.5. Working Capital Loan
4.6. Others
CHAPTER 5: ITALY UNSECURED BUSINESS LOANS MARKET, BY ENTERPRISE SIZE
5.1. Overview
5.2. Large Enterprises
5.3. Small and Medium-sized Enterprises
CHAPTER 6: ITALY UNSECURED BUSINESS LOANS MARKET, BY PROVIDER
6.1. Overview
6.2. Banks
6.3. NBFCs
6.4. Credit Unions
CHAPTER 7: COMPETITIVE LANDSCAPE
7.1. Introduction
7.2. Top winning strategies
7.3. Product Mapping of Top 10 Player
7.4. Competitive Dashboard
7.5. Competitive Heatmap
7.6. Top player positioning, 2021
CHAPTER 8: COMPANY PROFILES
8.1. UniCredit S.p.A.
8.2. Intesa Sanpaolo S.p.A.
8.3. Banca Monte dei Paschi di Siena S.p.A.
8.4. Banco BPM S.p.A.
8.5. BPER Banca S.p.A.
8.6. Mediobanca S.p.A.
8.7. Credito Emiliano S.p.A. (Credem)
8.8. UBI Banca S.p.A.
8.9. Cassa di Risparmio di Genova e Imperia (Carige)
8.10. Banca Popolare di Sondrio S.C.p.A.
List of Tables
Table 01. Italy Unsecured Business Loans Market, by Type, 2021-2031 ($Billion)
Table 02. Italy Unsecured Business Loans Market, by Enterprise Size, 2021-2031 ($Billion)
Table 03. Italy Unsecured Business Loans Market, by Provider, 2021-2031 ($Billion)
Table 04. Unicredit S.P.A.: Key Executives
Table 05. Unicredit S.P.A.: Company Snapshot
Table 06. Unicredit S.P.A.: Operating Segments
Table 07. Unicredit S.P.A.: Product Portfolio
Table 08. Unicredit S.P.A.: Key Stratergies
Table 09. Intesa Sanpaolo S.P.A.: Key Executives
Table 10. Intesa Sanpaolo S.P.A.: Company Snapshot
Table 11. Intesa Sanpaolo S.P.A.: Operating Segments
Table 12. Intesa Sanpaolo S.P.A.: Product Portfolio
Table 13. Intesa Sanpaolo S.P.A.: Key Stratergies
Table 14. Banca Monte Dei Paschi Di Siena S.P.A.: Key Executives
Table 15. Banca Monte Dei Paschi Di Siena S.P.A.: Company Snapshot
Table 16. Banca Monte Dei Paschi Di Siena S.P.A.: Operating Segments
Table 17. Banca Monte Dei Paschi Di Siena S.P.A.: Product Portfolio
Table 18. Banca Monte Dei Paschi Di Siena S.P.A.: Key Stratergies
Table 19. Banco Bpm S.P.A.: Key Executives
Table 20. Banco Bpm S.P.A.: Company Snapshot
Table 21. Banco Bpm S.P.A.: Operating Segments
Table 22. Banco Bpm S.P.A.: Product Portfolio
Table 23. Banco Bpm S.P.A.: Key Stratergies
Table 24. Bper Banca S.P.A.: Key Executives
Table 25. Bper Banca S.P.A.: Company Snapshot
Table 26. Bper Banca S.P.A.: Operating Segments
Table 27. Bper Banca S.P.A.: Product Portfolio
Table 28. Bper Banca S.P.A.: Key Stratergies
Table 29. Mediobanca S.P.A.: Key Executives
Table 30. Mediobanca S.P.A.: Company Snapshot
Table 31. Mediobanca S.P.A.: Operating Segments
Table 32. Mediobanca S.P.A.: Product Portfolio
Table 33. Mediobanca S.P.A.: Key Stratergies
Table 34. Credito Emiliano S.P.A. (Credem): Key Executives
Table 35. Credito Emiliano S.P.A. (Credem): Company Snapshot
Table 36. Credito Emiliano S.P.A. (Credem): Operating Segments
Table 37. Credito Emiliano S.P.A. (Credem): Product Portfolio
Table 38. Credito Emiliano S.P.A. (Credem): Key Stratergies
Table 39. Ubi Banca S.P.A.: Key Executives
Table 40. Ubi Banca S.P.A.: Company Snapshot
Table 41. Ubi Banca S.P.A.: Operating Segments
Table 42. Ubi Banca S.P.A.: Product Portfolio
Table 43. Ubi Banca S.P.A.: Key Stratergies
Table 44. Cassa Di Risparmio Di Genova E Imperia (Carige): Key Executives
Table 45. Cassa Di Risparmio Di Genova E Imperia (Carige): Company Snapshot
Table 46. Cassa Di Risparmio Di Genova E Imperia (Carige): Operating Segments
Table 47. Cassa Di Risparmio Di Genova E Imperia (Carige): Product Portfolio
Table 48. Cassa Di Risparmio Di Genova E Imperia (Carige): Key Stratergies
Table 49. Banca Popolare Di Sondrio S.C.P.A.: Key Executives
Table 50. Banca Popolare Di Sondrio S.C.P.A.: Company Snapshot
Table 51. Banca Popolare Di Sondrio S.C.P.A.: Operating Segments
Table 52. Banca Popolare Di Sondrio S.C.P.A.: Product Portfolio
Table 53. Banca Popolare Di Sondrio S.C.P.A.: Key Stratergies
List of Figures
Figure 01. Italy Unsecured Business Loans Market, 2021-2031
Figure 02. Segmentation of Italy Unsecured Business Loans Market, 2021-2031
Figure 03. Top Investment Pockets in Italy Unsecured Business Loans Market (2022-2031)
Figure 04. Porter's Five - 1
Figure 05. Porter's Five - 2
Figure 06. Porter's Five - 3
Figure 07. Porter's Five - 4
Figure 08. Porter's Five - 5
Figure 09. Drivers, Restraints and Opportunities: Italy Unsecured Business Loans Market
Figure 10. Italy Unsecured Business Loans Market,By Type, 2021 ($Billion)
Figure 11. Italy Unsecured Business Loans Market,By Enterprise Size, 2021 ($Billion)
Figure 12. Italy Unsecured Business Loans Market,By Provider, 2021 ($Billion)
Figure 13. Top Winning Strategies, by Year
Figure 14. Top Winning Strategies, by Development
Figure 15. Top Winning Strategies, by Company
Figure 16. Product Mapping of Top 10 Players
Figure 17. Competitive Dashboard
Figure 18. Competitive Heatmap: Italy Unsecured Business Loans Market
Figure 19. Top Player Positioning, 2021
Figure 20. Unicredit S.P.A.: Net Sales, 2020-2022* ($Billion)
Figure 21. Unicredit S.P.A.: Revenue Share, by Segment, 2021 (%)
Figure 22. Unicredit S.P.A.: Revenue Share, by Geography, 2021 (%)
Figure 23. Intesa Sanpaolo S.P.A.: Net Sales, 2020-2022* ($Billion)
Figure 24. Intesa Sanpaolo S.P.A.: Revenue Share, by Segment, 2021 (%)
Figure 25. Intesa Sanpaolo S.P.A.: Revenue Share, by Geography, 2021 (%)
Figure 26. Banca Monte Dei Paschi Di Siena S.P.A.: Net Sales, 2020-2022* ($Billion)
Figure 27. Banca Monte Dei Paschi Di Siena S.P.A.: Revenue Share, by Segment, 2021 (%)
Figure 28. Banca Monte Dei Paschi Di Siena S.P.A.: Revenue Share, by Geography, 2021 (%)
Figure 29. Banco Bpm S.P.A.: Net Sales, 2020-2022* ($Billion)
Figure 30. Banco Bpm S.P.A.: Revenue Share, by Segment, 2021 (%)
Figure 31. Banco Bpm S.P.A.: Revenue Share, by Geography, 2021 (%)
Figure 32. Bper Banca S.P.A.: Net Sales, 2020-2022* ($Billion)
Figure 33. Bper Banca S.P.A.: Revenue Share, by Segment, 2021 (%)
Figure 34. Bper Banca S.P.A.: Revenue Share, by Geography, 2021 (%)
Figure 35. Mediobanca S.P.A.: Net Sales, 2020-2022* ($Billion)
Figure 36. Mediobanca S.P.A.: Revenue Share, by Segment, 2021 (%)
Figure 37. Mediobanca S.P.A.: Revenue Share, by Geography, 2021 (%)
Figure 38. Credito Emiliano S.P.A. (Credem): Net Sales, 2020-2022* ($Billion)
Figure 39. Credito Emiliano S.P.A. (Credem): Revenue Share, by Segment, 2021 (%)
Figure 40. Credito Emiliano S.P.A. (Credem): Revenue Share, by Geography, 2021 (%)
Figure 41. Ubi Banca S.P.A.: Net Sales, 2020-2022* ($Billion)
Figure 42. Ubi Banca S.P.A.: Revenue Share, by Segment, 2021 (%)
Figure 43. Ubi Banca S.P.A.: Revenue Share, by Geography, 2021 (%)
Figure 44. Cassa Di Risparmio Di Genova E Imperia (Carige): Net Sales, 2020-2022* ($Billion)
Figure 45. Cassa Di Risparmio Di Genova E Imperia (Carige): Revenue Share, by Segment, 2021 (%)
Figure 46. Cassa Di Risparmio Di Genova E Imperia (Carige): Revenue Share, by Geography, 2021 (%)
Figure 47. Banca Popolare Di Sondrio S.C.P.A.: Net Sales, 2020-2022* ($Billion)
Figure 48. Banca Popolare Di Sondrio S.C.P.A.: Revenue Share, by Segment, 2021 (%)
Figure 49. Banca Popolare Di Sondrio S.C.P.A.: Revenue Share, by Geography, 2021 (%)

Companies Mentioned

  • UniCredit S.p.A.
  • Intesa Sanpaolo S.p.A.
  • Banca Monte dei Paschi di Siena S.p.A.
  • Banco BPM S.p.A.
  • BPER Banca S.p.A.
  • Mediobanca S.p.A.
  • Credito Emiliano S.p.A. (Credem)
  • UBI Banca S.p.A.
  • Cassa di Risparmio di Genova e Imperia (Carige)
  • Banca Popolare di Sondrio S.C.p.A.

Methodology

The analyst offers exhaustive research and analysis based on a wide variety of factual inputs, which largely include interviews with industry participants, reliable statistics, and regional intelligence. The in-house industry experts play an instrumental role in designing analytic tools and models, tailored to the requirements of a particular industry segment. The primary research efforts include reaching out participants through mail, tele-conversations, referrals, professional networks, and face-to-face interactions.

They are also in professional corporate relations with various companies that allow them greater flexibility for reaching out to industry participants and commentators for interviews and discussions.

They also refer to a broad array of industry sources for their secondary research, which typically include; however, not limited to:

  • Company SEC filings, annual reports, company websites, broker & financial reports, and investor presentations for competitive scenario and shape of the industry
  • Scientific and technical writings for product information and related preemptions
  • Regional government and statistical databases for macro analysis
  • Authentic news articles and other related releases for market evaluation
  • Internal and external proprietary databases, key market indicators, and relevant press releases for market estimates and forecast

Furthermore, the accuracy of the data will be analyzed and validated by conducting additional primaries with various industry experts and KOLs. They also provide robust post-sales support to clients.

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