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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!
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White Paper
State of Student Loans
Explore Experian’s latest State of Student Loans white paper to uncover key trends, borrower insights, and the evolving impact of student debt on financial health. Learn how data-driven solutions can help lenders and consumers navigate today’s student loan landscape.
Key considerations include:
- Strategies to engage consumers proactively to provide resources
- Recalibration of risk models
- Mitigating fraud while navigating the changing landscape
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Under Pressure: How Rising Food Costs Are Changing Restaurant Credit Behavior
Experian’s latest Commercial Pulse Report dives into the financial health of the restaurant sector amid rising costs and shifting consumer behavior.
Key insights:
- Menu prices at Full-Service Restaurants rose 4.6% in August — outpacing inflation.
- Limited-Service Restaurants are showing improved credit risk scores, suggesting stronger adaptability.
- Credit access is tightening across the board, with average credit limits falling below $6,000.
- Revolving credit utilization is climbing — an early signal of potential cash flow strain.
What does this mean for lenders and decision makers?
✅ Not all restaurant types face the same risks.
✅ Segmenting credit strategies is more important than ever.
✅ Watch utilization and inquiry trends closely — they may be early indicators of distress.
Check out the full report to see how these trends could impact your strategy!
Report
Q3 2025 Lending Conditions Chartbook
The U.S. economy shows signs of steady growth in Q3, yet challenges remain. A cooling labor market and persistent inflation create uncertainty, prompting lenders to stay cautious while adapting. Even in this dynamic environment, growth opportunities continue to emerge across the industry.
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Credit Signals in Construction: Early Warnings for Lenders and Risk Leaders
The construction industry has experienced significant growth over the last seven years, but fresh data reveals mounting signs of financial stress that commercial lenders and Chief Risk Officers should be closely monitoring.
Check out the full report to see how these trends could impact your strategy!