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Commercial Pulse Report | 5/13/2025
Published May 13, 2025
Commercial Commercial Insights Credit & Economic Trends Economic & Market InsightsThe latest Experian Commercial Pulse Report reveals a complex but fascinating picture of the U.S. economy and the small business landscape. According to Javier Rodriquez-Paiva’s research, while headline indicators suggest moderation, like slowing inflation and a steady unemployment rate, beneath the surface, disparities in recovery and credit performance continue to deepen.
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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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!
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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.
Webinar
The 2025 State of U.S. Rental Housing Market Webinar
Join Experian for an exclusive look into the forces reshaping the rental housing landscape. This webinar reveals how shifting renter demographics, rising affordability pressures, and evolving credit behaviors are impacting the market. Discover actionable insights on rent trends, payment risk, and the power of rent reporting—plus, get ahead of macroeconomic shifts influencing housing demand in 2025.
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Uncertainty is fueling entrepreneurial activity
Economic uncertainty is often seen as a deterrent to growth, but for many Americans, it’s become the fuel for a fresh start. As inflation wavers and traditional employment structures shift, more individuals are stepping out of corporate roles to pursue business ownership. In this week’s Commercial Pulse Report, we take a closer look at what’s driving this wave of entrepreneurial activity.
Check out the full report to see how these trends could impact your strategy!