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Commercial Pulse Highlights - 11.12.2024
Published November 12, 2024
Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights
As published on the Business Information blog in a post titled Rising Retail Demand Meets Cautious Lending, 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!
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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
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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