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Published October 22, 2022
Commercial Commercial InsightsReward and protect your borrowers and businesses throughout their financial journey by revealing a more complete credit history through consistent data Reporting. Learn how to Report data to Experian in a simple easy to follow 8-step process. Learn more about consumer data Reporting at experian.com/dataReporting and business data at experian.com/dataReportingbusiness.
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Used Cars Surge as Credit Tightens: The Auto Industry’s Balancing Act
As the automotive sector adapts to rising vehicle prices, shifting consumer behavior, and persistent inflation, the ripple effects are clearly visible in commercial credit activity. Experian’s latest Commercial Pulse Report (July 22, 2025) dives deep into the evolving credit dynamics within the auto industry—and one trend is clear: credit access is contracting across nearly every segment.
Check out the full report to see how these trends could impact your strategy!
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E-commerce is booming but fewer businesses seek credit
This week the Experian Commercial Pulse report focuses in on a fascinating paradox in the e-commerce industry that credit and risk management professionals should closely monitor. While online retail revenues continue their upward trajectory—now representing over 16% of total U.S. retail sales and generating quarterly revenues exceeding $300 billion—commercial credit inquiries from e-commerce businesses have declined by nearly 25% in the past year alone.
Check out the full report to see how these trends could impact your strategy!
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Uncertainty is fueling entrepreneurial activity
Economic uncertainty is often seen as a deterrent to growth, but for many Americans, it’s become the fuel for a fresh start. As inflation wavers and traditional employment structures shift, more individuals are stepping out of corporate roles to pursue business ownership. In this week’s Commercial Pulse Report, we take a closer look at what’s driving this wave of entrepreneurial activity.
Check out the full report to see how these trends could impact your strategy!
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Industry-specific risk models
The latest Experian Commercial Pulse Report provides a sharp look at how recent economic shifts are impacting small businesses across the U.S., with a special focus on supply chains, specifically the transportation industry, which is experiencing fallout from changing trade policies. Are industry-specific models effective in mitigating risk?
Check out the full report to see how these trends could impact your strategy!