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      Report

      2020 Alternative Financial Services Lending Trends

      Published April 27, 2020

      Alternative Financial Services Credit & Economic Trends

      Clarity Services, a part of Experian, provides valuable alternative credit data to alternative financial service providers. Clarity's alternative data gives lenders a more complete picture of nonprime applicants, so they can make better and more informed decisions.

      This report is packed with five years of Clarity data and enhanced with additional insights from Experian's national credit bureau. From market trends to changes in loan characteristics, the data inside will leave you more informed of the nonprime market than you've ever been before.

      Download our latest white paper to learn more.

      Complete the form to access the report

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      Your free Experian resource is now available. Enjoy!

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      The fintech landscape is evolving rapidly—and 2025 is a pivotal year. Experian’s State of Fintech 2025 Report delivers exclusive insights into the market forces, consumer behaviors, and credit trends shaping the future of financial services. Learn how leading fintechs are adapting and where the next wave of growth is emerging.

      In this report, you’ll discover:

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      Get ahead of the 2026 holiday shopping season with our expert prep guide. Discover proven strategies, marketing tips, and consumer insights to maximize loyalty and retention efforts, boost customer engagement, and ensure you are top of wallet.

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      03 September 2025

      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!

      Subscribe to Commercial Pulse Report

      Webinar

      19 August 2025

      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
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