The $20 Trillion Shift: Why GenAI Will Rewrite Business Lending

The world of business and corporate lending is massive with more than $20 trillion in credit will flow to companies annually by 2030 across banks, private credit funds, and alternative lenders. Yet the infrastructure powering this capital is decades behind. Underwriting is still manual, rigid, and exclusionary. Businesses today move at the speed of cloud, data, and AI, but their access to capital is still trapped in paperwork and outdated risk models. That gap is the trillion-dollar opportunity and we are taking this problem heads on.

By 2030, we believe at least $2 trillion of loans will be underwritten by GenAI systems. That’s just 10% of the lending base which is a very conservative scenario considering how quickly AI is being adopted in adjacent sectors like insurance underwriting, where adoption is forecast to surge from ~14% to over 70% in a few years. Gen AI will deliver credit in minutes instead of months. This is the new risk engine of global lending.

At LendingIQ, we’re building this vision. As the first GenAI-native underwriting platform, our ambition is clear: to power $1 trillion of loan decisions by 2030. Bold? Yes. But this is what first-mover advantage looks like when the market itself is being redefined. We are designing for explainability, compliance, and scalability from day one because winning this market isn’t about flashy models, it’s about building the infrastructure which Financial Institutions & Regulators can trust.

The future of business lending will be written by intelligence. Banks who adopt GenAI underwriting will expand their markets, lower defaults, and unlock lending opportunities and leave legacy players behind. At LendingIQ, we’re committed to partner with Financial Institutions and help them reach market leadership position and in the process ensure that when the first trillion in GenAI-powered lending is recorded, our name is on it. We are not talking about just industry shift. It’s a generational rewrite of how businesses access capital.