eBook
Published June 14, 2023
Commercial Credit Education Small Business Financial InclusionAre you a small business owner navigating the process of establishing your business credit profile?
Experian is here with a helpful guide about business credit and how it works to help you on your journey. From understanding how business credit scores and Reports are originated, to employing best practices for building up a strong business credit report, the Experian Blueprint is here to assist you every step of the way.
Complete the form to access the eBook
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Thank you for your interest
Your free Experian resource is now available. Enjoy!
Video
Rising Delinquencies Signal Growing Risk in Transportation & Warehousing
As the U.S. economy continues to recalibrate post-pandemic, the transportation and warehousing segments of the logistics sector are signaling caution. While the broader logistics industry has remained in expansion mode, Experian’s latest Commercial Pulse Report reveals that delinquencies are rising—an early warning of growing risk in two of the economy’s most critical subsectors.
Check out the full report to see how these trends could impact your strategy!
Video
Under Pressure: How Rising Food Costs Are Changing Restaurant Credit Behavior
Experian’s latest Commercial Pulse Report dives into the financial health of the restaurant sector amid rising costs and shifting consumer behavior.
Key insights:
- Menu prices at Full-Service Restaurants rose 4.6% in August — outpacing inflation.
- Limited-Service Restaurants are showing improved credit risk scores, suggesting stronger adaptability.
- Credit access is tightening across the board, with average credit limits falling below $6,000.
- Revolving credit utilization is climbing — an early signal of potential cash flow strain.
What does this mean for lenders and decision makers?
✅ Not all restaurant types face the same risks.
✅ Segmenting credit strategies is more important than ever.
✅ Watch utilization and inquiry trends closely — they may be early indicators of distress.
Check out the full report to see how these trends could impact your strategy!
Video
Credit Signals in Construction: Early Warnings for Lenders and Risk Leaders
The construction industry has experienced significant growth over the last seven years, but fresh data reveals mounting signs of financial stress that commercial lenders and Chief Risk Officers should be closely monitoring.
Check out the full report to see how these trends could impact your strategy!
Case Study
Leveraging cash flow data across diverse borrowers
Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including:
- Gig workers and freelancers with fluctuating income
- Small business owners with nontraditional cash flow patterns
- Thin-file and new-to-credit consumers lacking traditional credit history
- Subprime borrowers demonstrating positive financial behavior