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Commercial Pulse Report | 08/19/2025
Published August 19, 2025
Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights
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!
Commercial Pulse Update
Watch our summary of commercial highlights from the latest report.
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Webinar
Macroeconomic Scenarios Forecast - May 2026
Economic uncertainty remains elevated amid geopolitical instability, but the U.S. economy continues to show resilience. Explore Experian's latest base-case forecast and what it could mean for businesses planning ahead.
- GDP growth projected at 2.0% in 2026 and 2.1% in 2027
- Inflation expected to rise to 3.5% in 2026 before easing to 2.1% in 2027
- Unemployment forecast to hold steady at 4.4% through 2027
Report
Energy Shock vs. Consumers
Consumers have powered the U.S. economy through repeated shocks, but new pressures are testing their resilience. As energy prices rise and economic conditions shift, the outlook is becoming more uncertain.
- Labor market strength is weakening
- Income and wage growth are slowing
- High equity exposure increases risk
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2026 H1 Alternative financial services trends snapshot: growth, risk and where it’s moving
Download the latest Alternative Financial Services Trend Report to reveal new insights on growth and risk, including:
- Loan volume is up 21% YoY across installment and single pay products
- Installment bad rates declined 6.8% YoY
- Returning borrowers grew 26.5% YoY in RTO/LTO
Webinar
Convergence of consumer and commercial fraud prevention
In this webinar, Experian experts explore how organizations can apply proven consumer fraud prevention tactics to strengthen commercial lending defenses.
What you'll learn:
- How consumer fraud strategies can be adapted for commercial use cases
- Where commercial lending is most exposed and how to mitigate risk
- How shared signals across identity, behavior and devices can improve detection