Main Street Report Q2 2016

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Small-business credit conditions in Q2 positive

Q2 Report findings

Small-business credit conditions improved in the second quarter. With the exception of some specific segments, delinquency and bankruptcy rates declined. Sentiment among small businesses is positive, with 11 percent planning to increase employment and 26 percent considering additional capital investment. Businesses have access to plenty of credit, with utilization rates remaining low. However, the overall positive outlook could change rapidly in the event of increased interest rates and slow economic growth. Agriculture and construction credit remain bright points in the small-business credit outlook. Despite some downside risks, the sectors remain stable and well-positioned for growth.

About the report

Developed by Experian® the leading global information services company, and Moody’s Analytics, the new Experian/Moody’s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape, as well as providing commentary around what certain trends mean for credit grantors and the small-business community as a whole. Key factors comprised by the Main Street Report include a combination of business credit data (credit balances, delinquency rates, utilization rates, etc.) and macroeconomic information (employment rates, income, retail sales, investments, etc.).

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