Video
Commercial Pulse Report | 3-11-2025
Published March 11, 2025
Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights
In this week's video we touch on current small business macroeconomic conditions as well as share insights on the manufacturing
The U.S. manufacturing sector has been in a period of contraction for more than two years, but recent data suggests that a turning point may be on the horizon. The Purchasing Managers’ Index (PMI) reached 50.9 in January, breaking past the critical 50-point threshold for the first time in 26 months. This indicates that manufacturing activity is shifting from contraction to expansion, a positive sign for small businesses that have been a major driver of growth in the sector.
Check out the full report to see how these trends could impact your strategy!
Subscribe to Commercial Pulse Report
Watch Video
Watch
Video
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!
Video
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!
Report
Q2 2025 Lending Conditions Chartbook
While the US economy has so far avoided the worst-feared outcomes of higher tariffs, there remains significant uncertainty and concern over outlook, which is driving caution among lenders. In our just-released Q2 2025 Lending Conditions Chartbook, we break down the latest economic developments and do a deep dive into credit conditions across product segments, regions, and lender types. Key insights include:
- Unemployment remains low, but there are ongoing signs of softening in the labor market.
- Real incomes have improved somewhat after softening for most of 2024, which may continue to support consumer spending.
- The housing market continues to be constrained by high prices and interest rates, which are impacting affordability.