Non-bank lenders provide credit without operating as conventional deposit-taking banks. This guide explains where their money comes from, how loans are assessed and serviced, what borrowers pay, and how regulation differs across major jurisdictions.
Euro area banks tightened lending standards for businesses and consumer credit in the third quarter of 2026, while higher interest rates weighed on demand, according to the ECB. Banks also expect a gradual increase in borrowing to finance AI infrastructure.
