Industry Trends, Reports and Case Studies
Information is the key to making successful business decisions. The resources below will provide real life examples of our valuable products through case studies, business credit insights through our reports, and unique perspectives through expert whitepapers.
Business Information Resources
- Snap-on Credit
Snap-on Credit LLC has been an Experian user for more than 10 years and relies on Experian data when making credit decisions within its leasing program.
- C&H Distributors
Experian’s BusinessIQ Premier ProfileSM helps C&H Distributors, LLC expedite risk assessment and manage costs in a fast-paced direct-marketing environment.
- Rubicon Project
Experian’s International Developed Profiles helps Rubicon Project to safely expand into untapped markets.
- Los Angeles County Metropolitan Transportation Authority
BusinessIQSM helps shorten client’s credit application process of new accounts.
- Wurth Louis and Company
Wurth Louis and Company minimizes risk with BusinessIQSM.
- Edward Don & Company
DecisionIQSM helps Edward Don & Company reduce time and expenses for new account acquisitions.
- Interline Brands
DecisionIQSM brings revenue growth and increased efficiencies.
- PC Mall, Inc.
Data quality and BusinessIQSM reduce risk and save money.
- Secura Insurance Companies
SECURA Insurance faced the challenge of upholding high underwriting standards while also responding in a timely manner to clients and agents.
- LEAF Commercial Capital, Inc.
LEAF Commercial Capital, Inc. improves its portfolio management and enjoys competitive benchmarking using Experian data and business services.
- Daylight Transport
Daylight TransportTM chose Experian Business Information Services to speed approvals, meet sales growth objectives,and manage risk and cash flow.
- Experian Order to Cash
Enhancing its enterprise-wide client master and improving collections strategies in parallel with tools from Experian’s Business Information Services group...
- Experian/Moody’s Analytics Q1 2017 Main Street Report
Credit utilization rates expanded briskly in the first quarter of 2017. Taken with upside risk, which at the moment outweighs downside risk, credit conditions for small businesses are looking up. Rates of severe delinquency are declining broadly, and credit constraints should ease as a result.
- Experian/Moody’s Analytics Q4 2016 Main Street Report
Small business credit balances expanded broadly in the fourth quarter driving delinquency rates down. Taken with upside risk, which at the moment outweighs downside risk, credit conditions for small businesses are looking up. Balances are growing in the Southeast and West, and delinquency rates are low throughout the country.
- Experian/Moody’s Analytics Q3 2016 Main Street Report
Small-business credit declined slightly in the third quarter, led by the mining and transportation/utility industries. Businesses have access to plenty of credit, and utilization rates remain low. The low delinquency/bankruptcy environment combined with low utilization rates leads to an overall positive outlook over the next several quarters.
- Experian/Moody’s Analytics Q2 2016 Main Street Report
The Experian/Moody’s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape. 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. Despite some downside risks, the sectors remain stable and well-positioned for growth.
- Experian/Moody’s Analytics Q1 2016 Main Street Report
Experian®, the leading global information services company, and Moody’s Analytics have teamed up to develop the new Experian/Moody’s Analytics Main Street Report. Unlike previous quarterly analyses, the new report brings deeper 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 of 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.).
- Most politically independent entrepreneurs look like Republicans
While most in the political arena believe Independents and Republicans share many of the same political views, small-business owners who identify as one of the two major political parties also share similarities outside of politics. Business owners who identify as Independents relate more closely to Republicans than to Democrats in a number of areas, including average personal income, education level and credit usage.
- Study reveals opportunities for minority-owned business lending
As a group, minority-owned businesses receive far fewer commercial loans and have significantly fewer trade accounts than the general small-business population. At the same time, minority-owned businesses have average business credit scores that should qualify them as viable prospective borrowers. This whitepaper highlights key findings from a recent analysis of minority-owned business data. They include a review of the study, the major insights revealed, and suggestions for how a change in common business practices can deliver “win-win” outcomes for minority businesses and the lenders that extend them credit.
- The State of Online Marketplace Lending
In 2008, a short two years after the first online marketplace lenders opened for business, the Great Recession began to wreak havoc on worldwide financial markets. Small businesses struggled to survive, banks failed and access to capital was limited. More online lenders saw an opportunity and opend for business. These technology-driven newcomers hired an army of data scientists, coders and digital marketers. In the fall of 2015 the innovation, industry disruption and regulatory uncertainty that characterize this dynamic sector led Experian to produce a series of articles focusing on different aspects of online marketplace lending. This report contains those articles.
- Rekindling Success
Uncovering your portfolio’s hidden potential using advanced triggers to prevent risk.
Find out why lenders are taking another look at growth companies.
- A Widening Focus
Small and mid-sized customers are becoming a steadier source of profits for large companies so risk and credit management strategies at companies should be revised...
- Unlocking the Value in Business Information
As hopes for a robust return to market growth continue to dim, and as companies increasingly find that cost-cutting alone is no longer enough to protect the bottom line...
- Small Business
Keys to Smart Credit Management
Learn how strong business credit builds your company.
- The Changing Mortgage Landscape
An in-depth analysis of the mortgage boom and bust as illustrated by consumer mortgage credit supply and demand.
- Insight Report: Fighting Fraud in the Government’s Age of Austerity
Over £1 billion paid out in fraudulent benefit claims & social housing provision could be eradicated if simple fraud-prevention techniques were implemented more widely across the public sector.
- Interactive Business
View a visual representation of business health broken down by U.S. states. and MSA’s
What kinds of things are small businesses funding through marketplace lending?
In this short Q&A video, Gavin Harding from Experian’s Global Consulting Practice offers his perspectives on online marketplace lending, particularly what kinds of things small businesses are funding with loans acquired online.
What is Peer-to-Peer Lending?
In this Q&A, Gavin Harding from Experian’s Global Consulting Practice offers his definition of what Peer-to-Peer lending is.
What series of events facilitated the rapid growth of online lending?
Online marketplace lenders started to become increasingly more popular at the tail end of the Great Recession as many banks tightened lending criteria. Gavin Harding from Experian’s Global Consulting Practice describes the sequence of events which led to rapid growth in this relatively young sector.
How are online lenders able to make such fast decisions on loan requests?
In this Q∓A with Gavin Harding from Experian’s Global Consulting Practice, Gavin offers his perspectives on how online marketplace lenders are able to make such fast decisions on loan applications.
Online Marketplace Lending Q&A
Gavin Harding, a Sr. Business Consultant with Experian’s Global Consulting Practice offers his perspectives on the burgeoning online marketplace lending sector.
How do banks perceive online marketplace lending?
Gavin Harding of Experian’s Global Consulting Practice offers his perspectives on online marketplace lenders and how they are perceived by financial institutions.
Why do you think small businesses are tapping online lending for capital?
In this Q&A with Gavin Harding of Experian’s Global Consulting Practice, he offers perspectives on why so many small businesses are tapping online marketplace lending for capital.
- Demo: BusinessIQ
Bring the industry’s best credit practices, data and analytical intelligence to your desktop
Account Monitoring Service
See Experian’s new Account Monitoring Service in action!
- Demo: Business Owner Profile
Take a look at this comprehensive credit report and learn how to best use it.
- Demo: Business Profile Report
Get an in-depth review of our most popular comprehensive credit report.
Gain perspective of a business’s overall risk through its corporate linkage
- Demo: Intelliscore PlusSM
Learn how Intelliscore Plus can vastly improve your risk assessment.
Small Business Credit ShareSM Consortium
Learn how to use the Small Business Credit Share Consortium and portfolio scoring.
2016 Quarterly Business Credit Review
Experian and Moody’s Analytics present insights from the most recent Experian/Moody’s Analytics Main Street Report for Q1 2016.
Business Owners — an Experian Data Study
Experian Business Information Services recently concluded a data study to explore how minority-owned small businesses are faring in today’s economy. The analysis highlights credit characteristics, industry preferences and demographic attributes of business owners.
business owners and political affiliation
In this webinar Peter Bolin, Director of Consulting & Analytics for Experian shares the results of his research, revealing the statistical differences between small business owners in each of the major political parties. We explore the kinds of industries jobs are being created, also how small business owner credit scores compare as we gear up for the coming election season.
marketplace lending — a 360-degree industry view
In this webinar, Experian provided a 360-degree industry view of the fast-growing Online Marketplace Lending industry. Our experts help explain go-to-market strategies, self-regulation vs. government regulation and why this fintech-driven segment of financial services is attracting so much attention from investors, banks and the small businesses they lend to.
Study on U.S. Small Business Startups
It’s no secret that starting a new business is a risky proposition, but so is providing the funding start-ups need to open their doors, gain traction and begin to grow. In a study of business starts between 2010 and 2014 Experian reveals that not only are start-ups not as risky as conventional wisdom might suggest, but funding a new business early offers a careful lender unique benefits.
Better B2B Marketing Insights
Companies are collecting more data than ever before on prospects and customers alike, but are having trouble making the most of that data. Information is often bad or incomplete, making it difficult to answer common questions like - How many customers do I actually have? Which ones should I upsell to? What channels should I be using for acquisition? What’s the real opportunity out there? Watch this on-demand webinar to learn best practices for driving the most value from your business marketing data, and gain insights to maximize results.
State of Small Business — A snapshot of minority-owned businesses
As part of our ongoing analytical series on small business, Experian just completed a data study focused on U.S. minority owned businesses. This Infographic offers a summary of our findings.
on Small Business Startups
Experian Business Information Services and our Decision Analytics team recently completed a data study on the formation of startups between 2010 and 2014. This Infographic summarizes some of the findings in the study.
Data Being Used For Good
Big Data can have a significant impact on society. In this Infographic we highlight a few examples where Big Data has been used to turn insights into action, and serve society in a positive way.