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2018 Market Analysis & Industry Outlook: Sales Financing


Overview of the U.S. Sales Financing Industry

This section provides answers to key questions about the industry:
  1. What is the total market size (industry revenue)?
  2. What is the industry outlook?
  3. Market Analysis: Is the market growing or declining, and how quickly?
  4. Are long-term forecasts positive or negative?
  5. What is the average company size in the industry?
  6. How many companies are in the industry?

Market Size & Industry Statistics

The total U.S. industry market size for Sales Financing: Industry statistics cover all companies in the United States, both public and private, ranging in size from small businesses to market leaders. In addition to revenue, the industry market analysis shows information on employees, companies, and average firm size.

Investors, banks, and business executives use growth rates and industry trends to understand the market outlook and opportunity.

market size 2018
Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Statistics 2012        2013        2014        2015        2016        2017
Market Size
(Total Sales/Revenue)


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Total Firms
Total Employees
Average Revenue Per Firm
Average Employees Per Firm
Statistics Source: U.S. Census, AnythingResearch Market Analysis



Market Forecast[PREMIUM]

Market forecasts show the long term industry outlook and future growth trends. The following five-year demand forecast projects both short-term and long-term trends.

market forecast

Forecast / Industry Outlook 2017 2018 2019 2020 2021 2022
Market Forecast ($ millions)
Projected Industry Growth Rate (%)
Source: AnythingResearch Economic Analysis

Product & Services Breakdown

Research products and services in the Sales Financing industry generating sales. Note that products are broken into categories with different levels of classification.

Product DescriptionNumber of Companies Sales ($ millions) Percent of Total Sales

Industry Total

Loan Services - Income

Loans To Financial Businesses

Loans To Non-Financial Businesses

Vehicle Loans, Consumer

All Other Secured Or Guaranteed Loans To Consumers

Unsecured Loans To Consumers

Credit Card Services - Income

Credit Card Services For Cardholders, Consumer

Leasing Services - Income

Operating Leases - Motor Vehicle

Operating Leases - Other

Finance Leases

Installment Credit Services - Income

Sales Financing, Business

Sales Financing, Consumer

Other Credit Financing Services - Income

Support Services For Financial And Commodity Markets

Support Services For Financial Market And Clearing Products, Not Elsewhere Specified

Other Products Supporting Financial Services - Fees



U.S. Geographic Distribution: Revenue Statistics by State

Market Size by State ($ millions) indicates how the industry's competition is distributed throughout the country. State-level information can identify areas with higher and lower industry market share than average.

U.S. map of Sales Financing by state

Income Statement (Average Financial Metrics)

Financial metrics provide a snapshot view of a benchmark "average" company. Key business metrics show revenue and operating costs. The data collected covers both public and private companies.

Industry AveragePercent of Sales
(Industry Benchmark)
Total Revenue

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Operating Revenue
Cost of Goods Sold
Gross Profit

Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit
 
Source: AnythingResearch Analysis of U.S. federal statistics




Financial Ratio Analysis

Financial ratio information can be used to benchmark how a Sales Financing company compares to its peers. Accounting statistics are calculated from the industry-average for income statements and balance sheets.

Profitability & Valuation RatiosIndustry Average
Company valuation can be measured based on the firm's own performance, as well as in comparison against its industry competitors. These metrics show how the average company in the Sales Financing industry is performing.
Profit Margin
Gross Profit Margin, Operating Profit Margin, and Net Profit Margin. Show company earnings relative to revenues.
Return on Equity (ROE)
Return on Equity (ROE) is net income as a percentage of shareholders' equity. Shareholders' Equity is defined as the company's total assets minus total liabilities. ROE shows how much profits a company generates with the money shareholders invested (or with retained earnings).
Return on Assets (ROA)
Return on Assets (ROA) is net income relative to total assets. The market research on Sales Financing measures how efficiently the company leverages its assets to generate profit. ROA is calculated as Net Income divided by Total Assets.


Liquidity RatiosIndustry Average
Bankers and suppliers use liquidity to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio
Measures a firm's ability to pay its debts over the next 12 months.
Quick Ratio (Acid Test)
Calculates liquid assets relative to liabilities, excluding inventories.


Efficiency Ratios - Key Performance IndicatorsIndustry Average
Measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio
If this number is low in your business when compared to the industry average in the research report, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.
Average Collection Period
Based on the Receivables Turnover, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover
Inventory Turnover
A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.
Fixed-Asset Turnover
Generally, higher is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.



Compensation & Salary Surveys for Employees

Compensation statistics provides an accurate assessment of industry-specific jobs and national salary averages. This information can be used to identify which positions are most common, and high, low, and average annual wages.

TitlePercent of WorkforceBottom Quartile Average (Median) SalaryUpper Quartile
Management Occupations 7%

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Chief Executives0%
General and Operations Managers2%
Business and Financial Operations Occupations 29%
Financial Specialists 25%
Credit Counselors and Loan Officers 15%
Loan Officers 15%
Computer and Mathematical Occupations 6%
Computer Occupations 5%
Sales and Related Occupations 10%
Office and Administrative Support Occupations 47%
Financial Clerks 12%
Bill and Account Collectors 6%
Bill and Account Collectors 6%
Information and Record Clerks 25%
Customer Service Representatives 9%
Customer Service Representatives 9%
Loan Interviewers and Clerks 12%
Loan Interviewers and Clerks 12%
Source: Bureau of Labor Statistics


Sales Financing Industry Market Share [PREMIUM]

Largest companies in the industry and related industries, with private company revenue estimates.

CompanyAddressRevenue Estimate









Innovation News

  • Ace Motor Acceptance trademarks "ACE MOTOR ACCEPTANCE CORPORATION" - Automobile lease financing; Financing relating to automobiles - 12/27/2017
  • Cag trademarks "CAG TRUCK CAPITAL" - Financing related to the purchase of trucks and other specialized equipment - 12/15/2017
  • Virginia Community Capital raises $3 million in funding. - 12/06/2017
  • Navitas Credit trademarks "NAVITAS CREDIT CORP." - Banking and financing services; Equipment financing services; Financing and loan services; Financing and making loans for, and leases for, businesses primarily; Financing and making loans for, and leases of, business-use equipment (and other personal property), including, primarily, telecommunications equipment (including telephones, telephone systems and facsimile machines), technology equipment, computers, software, office equipment, photocopiers, printers, printing equipment, medical equipment, test and measurement equipment, vehicles, recreation equipment, security equipment (including surveillance and alarm systems), restaurant equipment, industrial equipment, manufacturing equipment, and other kinds of business-use equipment; Financing of purchases; Lease-purchase financing; Providing working capital loans to businesses - 11/10/2017
  • Vorsight raises $3 million in funding. - 10/19/2017
  • Applied Capital patents Premises Monitoring System - 10/19/2017
  • Kabbage raises $50 million in funding. - 09/29/2017
  • Safemark Systems patents System And Method For Controlling Lock-box With Backlit Front Panel - 06/30/2016
  • Rollease Acmeda patents Modular Bracket System For Window Treatment - 10/22/2015




  • Top Innovators

    1615
    CompanyInnovation Score
    Kabbage16
    Rollease Acmeda15
    Applied Capital
    Thermo Electron
    Santander Consumer Usa

    Additional companies, details and innovation scoring in the full report.

    Latest Industry News

    • ANZ drops $600m sale of UDC Finance to China's HDC Group - Australia and New Zealand Banking Group has abandoned plans to sell its Kiwi car loans, asset finance and investments business UDC Finance to China's HNA Group over New Zealand concerns about the conglomerate's ownership structure. Street Talk in ... (01/12/2018)
    • ANZ officially scraps sale of UDC Finance to China’s HNA - ANZ Bank confirmed on Friday that an agreement to sell its UDC Finance unit to China’s HNA Group for NZ$660m ($462m) had been terminated after the deal was blocked by New Zealand regulators. ANZ New Zealand chief executive David Hisco said the bank will ... (01/12/2018)
    • ANZ says sale of UDC Finance to HNA not proceeding - Jan 12 (Reuters) - Australia and New Zealand Banking Group Ltd said on Friday the agreement to sell its UDC Finance unit to China’s HNA Group will not proceed after New Zealand’s Overseas Investment Office decided to block the deal in December. (01/12/2018)
    • HFF Announces Sale and Financing of Central Park of Lisle I and II in Suburban Chicago - Holliday Fenoglio Fowler, L.P. (HFF) announced the sale and financing of Central Park of Lisle I and II, a two-building, Class A office property totaling 693,546 square feet in the suburban Chicago community of Lisle, Illinois. The HFF team marketed the ... (01/11/2018)
    • SalesPro Consulting Raises Equity Financing From 3737 North Capital, a Silicon Valley-Based VC Firm - SalesPro's expertise lies in awareness generation, identification of patterns in prospecting, comprehending the buying psychology, and creating a data-driven approach that prepares the sales teams in closing the deals effectively and efficiently. (01/11/2018)
    • Sears obtains financing, considers cost cuts after holiday sales slump - NEW YORK — Sears has secured more financing, and is eyeing more cost-cutting, as the beleaguered retailer reported a big sales drop during the critical holiday season. The company, which operates Sears and Kmart stores, said Wednesday that it secured $ ... (01/11/2018)
    • LendingPoint Announces LoanHero Acquisition: Seeks to Accelerate Expansion to Point-of-Sale & Point-of-Need Financing - Atlanta-based fintech direct loan provider, LendingPoint, announced on Thursday it has acquired point-of-sale finance platform LoanHero. According to LendingPoint, with the combination of LendingPoint’s credit underwriting and risk management expertise ... (01/11/2018)
    • LendingPoint Acquires LoanHero to Accelerate Expansion to Point-of-Sale and Point-of-Need Financing - KENNESAW, Ga. & SAN DIEGO--(BUSINESS WIRE)--LendingPoint, the company working to revolutionize access to consumer credit, today announced that it has acquired LoanHero, a leading fintech platform for point of sale finance. LoanHero’s retail financing ... (01/11/2018)
    • Sears Obtains New Financing Amid Lower Sales - Sears Holdings Corp. said Wednesday it had raised $100 million in new financing and is pursuing an additional $200 million from other parties. It is also renegotiating the terms of about $1 billion of its debt to reduce cash interest expenses and extend ... (01/10/2018)
    • Sears lands additional financing, even as holiday sales disappoint - Sears Holdings said its same-store sales dropped between 16 and 17 percent for the first two months of the fourth quarter. The department store chain has raised $100 million in new financing and is pursuing an additional $200 million from other lenders. (01/10/2018)


    Government Contracts

    In 2016, the federal government spent a total of $1,819,799 on Sales Financing. It has awarded 30 contracts to 6 companies, with an average value of $303,300 per company.   

    Top government vendors:

    CompanyFederal ContractsTotal Award Amount



    Growth Opportunities / Competitive Threats

    Companies in other industries may also sell similar products. Since there is an overlap in the customer base, there may be an opportunity for companies in Sales Financing to sell additional products/services offered by these adjacent industries. Alternatively, these industries may identify further products in this industry to target. Products most at risk are those with the highest profit margins and lowest barriers to entry.

    The following industries are competing channels for sales of similar products/services.

    Loan Products - Income
    Competing IndustrySales Relative to Sales FinancingOpportunity/Threat
    Commercial Banking
    Savings Institutions
    Credit Unions Competing industry
    Mortgage & Nonmortgage Loan Brokers Competing industry
    Investment Banking & Securities Dealing Competing industry

    Sales from other industries of Loan Products - Income are less than those from Sales Financing. This may mean that other channels are a competitive risk of increasing their Loan Products - Income sales, taking market share from this industry.
    Loan Products - Income Product Sales Report



    Leasing Products - Income
    Competing IndustrySales Relative to Sales FinancingOpportunity/Threat
    Commercial Banking Competing industry

    Sales from other industries of Leasing Products - Income are less than those from Sales Financing. This may mean that other channels are a competitive risk of increasing their Leasing Products - Income sales, taking market share from this industry.
    Leasing Products - Income Product Sales Report



    Loans To Consumers - Secured, Vehicle
    Loans To Consumers - Secured, Vehicle Product Sales Report

    Operating Leases - Motor Vehicle
    Operating Leases - Motor Vehicle Product Sales Report

    Loans To Businesses - Commercial And Industrial Mortgages
    Loans To Businesses - Commercial And Industrial Mortgages Product Sales Report

    Finance Leases
    Finance Leases Product Sales Report

    Loans To Consumers - Unsecured
    Loans To Consumers - Unsecured Product Sales Report

    Installment Credit Income
    Installment Credit Income Product Sales Report

    Consumer Sales Financing
    Consumer Sales Financing Product Sales Report

    Credit Card Products - Income
    Credit Card Products - Income Product Sales Report



    Segments classified within this market research report

    This industry market research report includes companies whose primary business is any of the following:
    Truck finance leasing, Installment sales financing, Financing, sales, Leasing in combination with sales financing, Automobile financing, Sales financing, Equipment finance leasing, Machinery finance leasing, Automobile finance leasing companies, etc.



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