Welcome to the Commercial Insights Hub

Welcome to the Commercial Insights Hub, a one-stop location for up-to-date credit insights on U.S. small businesses. With fresh, up to date credit data on over 25 million active businesses, Experian offers deep insights and a unique view on how they are performing. This centralized hub offers original thought leadership on the state of small business credit in weekly, monthly and quarterly views.


We publish a series of reports focusing on the health of small and medium businesses. If you would like to be notified when new reports have been published, subscribe to notifications.

Commercial Pulse

The bi-weekly Commercial Pulse provides a directional update on small business credit. It delivers a quick read on current market impacts, high level credit trends, score and attribute impacts, and other market related activities. 

The report is refreshed bi-weekly available for download.

Main Street Report

The Experian Main Street Report brings deep insight into the overall financial well-being of the small-business landscape, as well as providing commentary around what specific trends mean for credit grantors and the small-business community. Critical factors in 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, industrial production, etc).

The Main Street Report report is published quarterly.

Beyond the Trends

The Beyond the Trends report provides a directional update on small business credit. We provide a unique view of the small business economy based on data and market trends.

The report is published quarterly.

Meet the Experts

Want to learn more about the insights presented here? Connect with our subject matter experts from the Commercial Data Sciences team for a deeper dive.

Brodie Oldham

Brodie Oldham

Vice President, U.S. Commercial Data Science

As Vice President of U.S. Commercial Data Science, Brodie Oldham leads a team made up of statistical consultants, scientists, modelers, and engineers with diverse skills who provide clients with leading edge analytic-driven information solutions, services, and data visualizations of actionable insights. In addition, he writes and speaks on behalf of Experian about trends in credit markets and how small businesses can grow successful ventures and gain access to funding through strong credit fundamentals.

Emily Garrett

Emily Garrett

Manager of Commercial Decision Sciences for Ascend Platform

Emily leads a team of analytical consultants with strong statistical and decision science skills who focus on bringing the rich and diverse data contained within the Ascend platform. She brings a strong analytical background, including in small business lending, and uses this experience to lead innovation within the small business lending space.

Javier Rodriguez-Paiva

Javier Rodriguez-Paiva

Strategic Analytic Consultant

Javier leads fraud analytics consulting in the Commercial Decision Sciences team at Experian. In his role, he assists clients with comprehensive fraud management strategies, with an eye on both loss mitigation and business growth. Javier has 10+ years of experience in the analytics consulting role and the financial industry, with a wide breadth of hands-on experience in risk, financial, sales, and marketing data-driven strategy development.

Marsha Silverman

Marsha Silverman

Strategic Analytic Consultant

Marsha leads strategic analytic solutions within Experian’s US Commercial Data Sciences team. In her role, she consults with various clients to drive comprehensive businesses strategies through use of Experian data and analytics across the product lifecycle from prospecting, account acquisition and underwriting through account management. Marsha is an industry expert with 30 years of experience in Financial Services focusing on both risk and marketing analytics for consumer and commercial lending.


Experian experts provide regular commentary on the health of small business credit and a wide range of other topics. Subscribe to be notified when new webinars are announced.

  State of Small Business: Raising the Bar on Inclusion

The State of Women Business Owners

Emily Garrett from Experian's Commercial Data Sciences presents the 2022 State of Women Business Owners data study.

A Perfect Storm for Business Credit Risk

A Perfect Storm for Business Credit Risk

Experts Li Mao, Emily Garrett and Brian Stack discuss the growing commercial fraud problem and what to do about it.

Quarterly Business Credit Review Webinar

Quarterly Business Credit Review

Join Experian for the Q1 2024 Quarterly Business Credit Review as we dive into quarterly small business credit trends June 4th, 10am Pacific. 

Blog Articles

Follow our blogs for regular articles covering business information and small business.


Business Information Blog

Business Information Blog

This blog is written and managed by the team at Experian Business Information Services and focuses primarily on commercial and enterprise topics.

Visit the Business Information Blog

Small Business Matters Blog

Small Business Matters Blog

The Small Business Matters blog focuses on topics relevant to small business owners. Here we post about business advice and credit education in addition to the latest news and trends impacting small businesses.

Visit the Small Business Matters Blog

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