Whitepaper: Data Study on U.S. Small Business Startups

Document: Published Jul 15, 2015
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.

Related Resources

  • Q3 2023 Experian/Oxford Economics Main Street Report
    Document Published Date: Published Nov 28, 2023

    Outstanding performance in the third quarter is a great headline focused on the resiliency of the American consumer. Business confidence and financials benefited from a consumer confidence boost as market conditions appeared to improve as inflation receded. Consumer spending remained elevated, supporting small business cashflow health, but a rising percentage of that consumer spend originated from leveraged consumer credit products. Creditors have been monitoring the rise in unsecured debt utilization and putting into action exposure limiting underwriting criteria.

  • Q2 2023 Experian/Oxford Economics Main Street Report
    Document Published Date: Published Aug 29, 2023

    Lenders are tightening underwriting criteria due to high delinquencies among consumers and small businesses amid inflation. People are revising their spending and investment plans. While technology companies thrive, sectors like logistics, utilities, and healthcare face challenges. Supply chain issues are easing, but reduced demand affects inventory orders, impacting trucking and logistics with lower tonnage and mileage. Consumers show resilience, bolstered by a strong job market, wage growth, and lower energy and food costs. However, dwindling savings and increased reliance on unsecured debt, along with the resumption of debt obligations like student loans, and ongoing inflation, put pressure on consumers. Recession fears are easing, but concerns for 2024 remain.

  • Summer 2023 Beyond the Trends Report
    Document Published Date: Published Jul 21, 2023

    The Summer 2023 report contains several insights on the economic landscape impacting small businesses, among them — rising delinquencies being a significant concern. The latest report emphasizes the need for strategic planning and careful management of debt, along with an understanding of broader economic factors that may impact small business performance.

    Subscribe to this quarterly report here or follow our full suite of quarterly insights on our Commercial Insights Hub.

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Informations Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.