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Experian’s Business Benchmark Report is a quarterly view of how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report shows four key indicators of business health, including commercial risk score, days beyond payment terms, percentage of dollars delinquent and percentage of dollars severely delinquent.
Experian has joined forces with Moody's Analytics to create a business index and detailed report that provides insight into the health of U.S. businesses. The Experian/Moody's Analytics Small Business Credit Index is reported quarterly to show fluctuations in the market and discuss factors that are impacting the business economy.
The report shows that all U.S. businesses have demonstrated an increase in slow payment compared with September 2010, with large businesses showing the greatest increase. Businesses with more than 1,000 employees had the greatest percentage increase (28.3 percent) in days beyond terms (DBT). They increased their late payments by more than 1.5 days on average, going from 5.7 DBT in September 2010 to 7.3 DBT in September 2011.
Findings from the Q2 report showed that the amount of delinquent debt has increased significantly for the largest and smallest businesses. Very large businesses (those with more than 1,000 employees) had the greatest shift in percentage of dollars delinquent, going from 11.6 percent in June 2010 to 18.2 percent in June 2011, and very small businesses (those with one to four employees) had the greatest shift in percentage of dollars considered severely delinquent, going from 9.9 percent in June 2010 to 11.7 percent in June 2011.