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Commercial Pulse Report | 10/14/2025
Published October 14, 2025
Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights
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!
Commercial Pulse Update
Watch our summary of commercial highlights from the latest report.
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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
Infographic
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
Webinar
Understanding the Consumer: Trends in Financial Behavior and Spending Patterns
Gain a clearer view of how consumers earn, spend, and manage their money in today’s evolving economic landscape. In this webinar, Experian experts break down the financial behaviors shaping demand, risk, and growth—using macroeconomic trends, credit data, and transaction-level cash flow insights.
- Key trends in spending, income stability, and cash flow
- What credit and cash flow signals reveal about your customers
- How to apply these insights to marketing, risk, and growth strategies