Report
Published July 21, 2023
Commercial Commercial Insights Credit & Economic Trends
Summer sunshine poking through the clouds brings hope, but be mindful of the weather.
As commercial creditors tighten underwriting, fintech lenders are stepping in to fill funding gaps. Public sector funding has also expanded, providing a broader safety net, though increased oversight will demand additional compliance spending from businesses and lenders.
Amid these challenges, advancements in generative AI are driving efficiency and innovation, offering small businesses opportunities to optimize operations and tech companies a competitive edge. For U.S. businesses, staying agile and leveraging these tools will be key to navigating an evolving economic landscape.
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Construction Industry Resilience
The November 2024 Commercial Pulse Report is here, and it’s packed with critical data on the construction sector’s resilience and the challenges ahead.
🔑 Key Highlights:
- Businesses are shifting from term loans to commercial credit cards for greater flexibility.
- Delinquencies in construction remain lower than other industries, showcasing financial strength.
- High housing demand continues to fuel opportunities despite rising costs and tight credit.
Whether you're navigating financing strategies or tracking industry growth, these insights are a must-read for construction professionals and business analysts.
📥 Download the full report now and stay ahead of the trends shaping the construction landscape.
Check out the full report to see how these trends could impact your strategy!
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Rising retail demand meets cautious lending
As we head into the holiday season, Experian’s latest Commercial Pulse Report reveals significant trends shaping the retail sector:
🔹 25% increase in credit demand among retail businesses, as companies boost inventory for expected holiday sales.
🔹 Discretionary retail sectors like home goods face tighter lending, while Consumer Electronics and Department Stores are nearing pre-pandemic credit levels.
🔹 Retail delinquency rates and charge-offs are rising, putting pressure on commercial credit scores.
These insights highlight both opportunities and challenges for retailers navigating today’s economy. Check out the full report to see how these trends could impact your strategy!
Report
Landing the Plane - Key takeaways from the September 2024 Jobs Report
The better-than-expected September Jobs Report adds to the list of data that suggests the U.S. economy is heading for a soft landing. While challenges remain, the current backdrop is one of strong economic activity, a solid labor market, and a more accommodative Fed. Get North America Chief Economist Joseph Mayans’ charts and key takeaways on recent developments.
Report
State of Gen Z
Explore Gen Z's habits and attitudes toward credit, personal finance, marketing, fraud and more.
Gen Z fast facts:
- There are 69.3 million Gen Z-ers in the United States.
- They spend six or more hours per day on their cell phones.
- They collectively demand purpose and accountability from brands they interact with.
They demand the creation of more opportunities for people of diverse and underrepresented backgrounds. Lack of financial resources and funding options are seen as barriers in achieving their goals.
Source: Statista, McKinsey & Company.