Experian/Moody's Analytics Q3 2016 Main Street Report

Document: Published Nov 15, 2016

Small-business credit declined slightly in the third quarter, led by the mining and transportation/utility industries. Businesses have access to plenty of credit, and utilization rates remain low. The low delinquency/bankruptcy environment combined with low utilization rates leads to an overall positive outlook over the next several quarters. However, this optimism could change rapidly if interest rates rise or slow economic growth persists. Agriculture and construction credit remain bright points in the small-business credit outlook. Despite some downside risks, the sectors remain stable and well-positioned for growth.

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