The Blueprint - Establishing and Building Business Credit

Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including: 

• Gig workers and freelancers with fluctuating income 
• Small business owners with nontraditional cash flow patterns 
• Thin-file and new-to-credit consumers lacking traditional credit history 
• Subprime borrowers demonstrating positive financial behavior

According to Experian’s latest Commercial Pulse Report, business formation remains strong:

• 471,000 new business applications were filed in July alone
• Between 2018 and 2023, the number of new businesses establishing commercial credit rose by 38%
• New businesses today look more financially stable than those from earlier years

What’s driving this resilience?

👉 Faster tech adoption

👉 Hybrid business models

👉 Stronger financial fundamentals

The pandemic forced small businesses to transform at record speed. Now, they’re leveraging those lessons to build smarter, more adaptable enterprises.

Check out the full report to see how these trends could impact your strategy!

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Millions of U.S. households remain unbanked, yet many possess the ability to borrow responsibly. Read our infographic to learn how you can leverage real-time cashflow data to: 

• Reach consumers with little or no credit history. 
• Tailor products to real financial behaviors. 
• Make faster, more confident decisions.  
• Improve access to credit and enhance portfolio performance.

Experian’s Brodie Oldham, VP of Commercial Data Science, and Marsha Silverman, Strategic Analytic Consultant revealed several insights on how small businesses are performing during the Q2 Quarterly Business Credit Review.

During the webinar we asked the audience:

• Which macroeconomic factor is having the greatest impact on small business credit conditions this year?
• What actions if any have you taken in 2025 in response to additional tariff?
• How are small businesses adapting to tighter credit conditions in 2025?

Why you should watch:

• Leading Experts on Commercial and Macro-Economic Trends
• Credit insights and trends on 30+ Million active businesses
• Industry Hot Topics Covered (Inclusive of Business Owner and Small Business Data)
• Commercial Insights you cannot get anywhere else
• Peer Insights with Interactive Polls (Participate)
• Discover and understand small business trends to make informed decisions
• Actionable takeaways based on recent credit performance