Experian/Moody's Analytics Small Business Credit Index - Q2 2012


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Findings from the Q2 2012 Experian/Moody's Analytics Small Business Credit Index report finds small business credit conditions have improved slightly amid economic concerns.


Small-business credit quality improved slightly in the second quarter amid slower hiring and new worries about the European fiscal crisis. Small-company balance sheet repair continues to vary considerably across the country. In areas where hiring has picked up and earnings are growing, consumer spending has provided a much welcome boost to small companies. Where spending is still weak, small-business credit quality remains poor. While credit quality is unlikely to improve as quickly as it did earlier in the recovery, further balance sheet deterioration shouldn┐t be severe. Experian and Moody┐s Analytics have joined forces to create a business index and detailed report that provides insight into the health of U.S. businesses. The Experian/Moody┐s Analytics Small Business Credit Index is reported quarterly to show fluctuations in the market and discuss factors that are impacting the business economy.

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