Report
Published December 1, 2022
Commercial Commercial InsightsThe US economy grew a buoyant 2.6% annualized in Q3, confirming Experian and Oxford Economics' view that the economy was not in recession. Indeed, the economy created a robust 261k jobs in October, while the unemployment rate came in near a historically low of 3.7%. Higher borrowing costs will weigh on corporate profits, hiring, and business investment. The consumer will feel the effects of an increase in unemployment and a reduction in excess savings. Download the full report to learn more.
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Video
How Small Businesses Have Changed Since the Pandemic
According to Experian’s latest Commercial Pulse Report, business formation remains strong:
- 471,000 new business applications were filed in July alone
- Between 2018 and 2023, the number of new businesses establishing commercial credit rose by 38%
- New businesses today look more financially stable than those from earlier years
What’s driving this resilience?
👉 Faster tech adoption
👉 Hybrid business models
👉 Stronger financial fundamentals
The pandemic forced small businesses to transform at record speed. Now, they’re leveraging those lessons to build smarter, more adaptable enterprises.
Check out the full report to see how these trends could impact your strategy!
Webinar
Q2 2025 Quarterly Business Credit Review Webinar
Experian’s Brodie Oldham, VP of Commercial Data Science, and Marsha Silverman, Strategic Analytic Consultant revealed several insights on how small businesses are performing during the Q2 Quarterly Business Credit Review.
During the webinar we asked the audience:
- Which macroeconomic factor is having the greatest impact on small business credit conditions this year?
- What actions if any have you taken in 2025 in response to additional tariff?
- How are small businesses adapting to tighter credit conditions in 2025?
Why you should watch:
- Leading Experts on Commercial and Macro-Economic Trends
- Credit insights and trends on 30+ Million active businesses
- Industry Hot Topics Covered (Inclusive of Business Owner and Small Business Data)
- Commercial Insights you cannot get anywhere else
- Peer Insights with Interactive Polls (Participate)
- Discover and understand small business trends to make informed decisions
- Actionable takeaways based on recent credit performance
Video
Student Loan Debt’s Growing Impact on Small Business Credit Health
Outstanding student loan debt in the U.S. has reached an all-time high of $1.63 trillion, and the ripple effects are being felt far beyond the personal finance arena. This unprecedented debt burden is now shaping the way many small business owners borrow, manage credit, and maintain financial stability.
Check out the full report to see how these trends could impact your strategy!
Video
Leisure & Hospitality Sector Faces Diverging Credit Realities Amid Summer Surge
As temperatures rise across the U.S., so does the nation’s appetite for travel—and the Leisure & Hospitality sector is feeling the heat. In this week’s Commercial Pulse Report, we examine how soaring consumer demand intersects with evolving credit conditions for businesses in travel, lodging, and transportation.
Check out the full report to see how these trends could impact your strategy!