Report
Published August 13, 2024
Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights
The excitement of a U.S. Election cycle in the fall, a cooling economy, rising unemployment, and a turbulent international landscape all play into a fall filled with anxious sentiment but stable cash flows. The economy has been humming at a stable pace over the last two quarters. Consumers have been spending their wage gains while not overleveraging their cards. This stability in the market has led small businesses to operate in the U.S. at pace with expectations. Growth has been slow as credit markets, although open, have tightened underwriting policies that limit both the consumer and small business from gaining access to low-cost funding to enter a season of true growth in the U.S. The economy is cooling, and the market expectations for a Federal Funds Rate cut are rising.
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Webinar
Reducing Mortgage Friction: How Income & Employment Verification is Evolving in 2026
In today’s competitive mortgage market, lenders are challenged to reduce origination costs, improve operational efficiency, and create a better borrower experience. This webinar explores how the Experian Verify Preview Report gives lenders visibility into employment and income record availability before ordering a full Verification of Income and Employment (VOIE) report. By providing transparency upfront, lenders can reduce unnecessary verification expenses, improve operational efficiency, and make more informed sourcing decisions.
What we’ll cover:
- How to determine record availability before ordering a full income and employment verification report
- Strategies for reducing unnecessary verification spending while improving operational efficiency
- Ways to improve borrower experience, accelerate loan processing, and reduce lender workload through smarter verification workflows
- How verification innovation supports broader mortgage automation and data-driven decisioning initiatives
Webinar
Commercial construction risk isn't generic. Your score shouldn't be either.
Most commercial risk models are designed to assess every industry. Construction operates by a different set of rules. Explore the data, research, and analytics behind Experian's first construction-specific score and learn how trade creditors can improve risk visibility, credit decisions, and portfolio performance.
Webinar
Q3 2026 Macroeconomic Scenarios Forecast
Explore Experian's Q3 2026 U.S. economic outlook and scenarios forecasts.
- See GDP projections for 2026 and 2027.
- Understand the outlook for inflation and unemployment.
- Review expectations for Federal Reserve interest rates.
- Compare base-case, optimistic and pessimistic scenarios.
Webinar
From SBFE Data to Growth Intelligence: Strategies for Smarter Small Business Lending
Learn how SBFE data and Experian's analytical capabilities help lenders drive growth and improve decisioning.
- 20M+ small businesses and 110M+ accounts are represented in SBFE data, giving lenders significantly broader credit visibility than internal data alone.
- Nearly 40% of new commercial credit activity is coming from businesses less than 1 year old, highlighting the importance of building credit visibility early.
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