The $195 Billion Blind Spot in Small Business Lending

There is a large and largely overlooked segment of small business borrowers sitting inside every commercial lender’s consumer portfolio right now. They are carrying balances that rival commercial card averages, they are running active businesses, and they have never been offered a commercial credit product. Experian’s latest research puts a number on the opportunity: $195 billion in outstanding consumer card balances held by business owners who carry no business card at all.