Report
Report
Published May 27, 2025
Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights
U.S. small businesses are navigating a challenging but stabilizing credit environment, shaped by persistent inflation, elevated interest rates, and cautious consumer sentiment. According to Experian’s latest data, small business credit utilization has remained steady, reflecting disciplined borrowing behavior, while delinquency rates have shown only modest increases, suggesting overall credit health remains intact. The Experian Small Business Index™ indicates a slight uptick in new business credit applications, signaling renewed interest in growth despite macroeconomic headwinds.
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White Paper
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:
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Experian’s latest Commercial Pulse Report dives into the financial health of the restaurant sector amid rising costs and shifting consumer behavior.
Key insights:
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!
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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!