Commercial Lending Market Report 2026

The commercial lending market size has grown rapidly in recent years. It will grow from $19.04 trillion in 2025 to $22.15 trillion in 2026 at a compound annual growth rate (CAGR) of 16.3%. The growth in the historic period can be attributed to expansion of business credit demand, growth of small and medium enterprises, increasing capital expenditure requirements, rising role of banks in enterprise financing, broader availability of secured lending products.

The commercial lending market size is expected to see rapid growth in the next few years. It will grow to $40.38 trillion in 2030 at a compound annual growth rate (CAGR) of 16.2%. The growth in the forecast period can be attributed to increasing adoption of AI-based credit scoring, rising investments in green project financing, expansion of non-bank commercial lending, growing focus on supply chain financing, increasing demand for flexible repayment structures. Major trends in the forecast period include increasing adoption of digital loan origination platforms, rising demand for sme-focused lending solutions, growing use of alternative credit assessment models, expansion of asset-backed commercial lending, enhanced focus on working capital financing.

The expansion of small and medium-sized enterprises is anticipated to drive the growth of the commercial lending market in the coming years. Small and medium-sized enterprises (SMEs) are organizations characterized by relatively limited workforce size and revenue, with definitions differing across countries and industries. The rise in SMEs is driven by their ability to adapt quickly to market dynamics, maintain lower operating expenses, foster innovation, benefit from government-backed support initiatives, and leverage the increasing availability of digital tools and technologies that facilitate entrepreneurship and business growth. Commercial lending plays a vital role in supporting small and medium-sized enterprises by providing the necessary funding for business expansion, day-to-day operations, and new investment opportunities. For example, in April 2025, data from the U.S. Small Business Administration (SBA), a government agency in the United States, indicated that the number of small businesses increased from around 33.2 million in 2023 to nearly 34.7-34.8 million in 2024, representing an approximate year-over-year growth of 4.5%. Therefore, the rising number of small and medium-sized enterprises is contributing to the expansion of the commercial lending market.

Major players in the commercial lending market are increasingly focused on developing cutting-edge solutions, including next-generation corporate lending artificial intelligence (AI) technologies, to improve decision-making efficiency and risk management. These advanced AI technologies aim to automate and optimize lending processes, enhance credit risk assessment, and support better decision-making in the lending sector. For instance, in January 2023, Temenos AG, a Switzerland-based provider of banking software systems, introduced a next-generation AI-driven corporate lending solution. This platform is designed to assist banks in optimizing their commercial loan portfolios and enhancing servicing capabilities. It addresses the complexities associated with loan processing and lifecycle management across various lending lines and geographies, targeting both large-tier and regional banks that often encounter challenges due to fragmented systems and lack of integration.

In October 2023, Loan Market Group (LMG), an Australia-based broker aggregator, acquired Commercial Lending Excellence (CLE) for an undisclosed amount. This strategic acquisition is poised to enhance operational efficiency within the commercial lending sector by integrating streamlined processes, establishing a centralized knowledge hub, and elevating application quality. The transaction is expected to expedite deal submissions, ensure precise calculations, and result in improved conversion rates and client satisfaction. Commercial Lending Excellence (CLE) is a commercial lending technology platform based in Australia, specializing in providing advanced commercial lending services.

Major companies operating in the commercial lending market are JPMorgan Chase & Co., Bank of America Corporation, Santander Group, Wells Fargo & Co, HSBC Holdings plc, Citigroup Inc., Morgan Stanley, BNP Paribas, TD Bank Group, Goldman Sachs Group Inc., ING Group, Mitsubishi UFJ Financial Group, UBS Group AG, Capital One Financial Corporation, Barclays Bank PLC, Société Générale SA, Sumitomo Mitsui Financial Group, Deutsche Bank AG, UniCredit Group, Truist Financial Corp, U.S. Bancorp, Standard Chartered PLC, PNC Financial Services Group Inc., Mizuho Financial Group Inc., Credit Suisse Group AG, Royal Bank of Scotland Group plc.

Asia-Pacific was the largest region in the commercial lending market in 2025 and it is expected to be the fastest-growing region in the forecast period. The regions covered in the commercial lending market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the commercial lending market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The commercial lending market includes revenues earned by entities by providing services such as term loans, invoice financing, commercial mortgages, equipment leasing, trade finance, asset-based lending, and bridge loans. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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