eBook
Published June 14, 2023
Commercial Credit Education Small Business Financial InclusionAre you a small business owner navigating the process of establishing your business credit profile?
Experian is here with a helpful guide about business credit and how it works to help you on your journey. From understanding how business credit scores and Reports are originated, to employing best practices for building up a strong business credit report, the Experian Blueprint is here to assist you every step of the way.
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White Paper
Closing the credit gap
White paper about income and credit trends – across gender, household dynamics, ethnicities and generational shifts. These new findings explain why closing the credit gaps is a strategic priority for lenders.
Download the white paper to learn about changing demographics across gender, household dynamics, ethnicities and generational shifts.
Learn how pivoting your approach and product offerings may help you broaden your customer base to become leaders in inclusive finance
Case Study
Unlocking member insights with alternative data
Every lending decision you make relies on data, but what if that data only tells part of the story? Download our use case to meet two borrowers, Claudia and John, and discover how alternative data can help you:
- Reveal hidden financial stability in members.
- Identify early warning signs of risk.
- Enable more accurate and inclusive lending decisions.
- Drive stronger member relationships.
Video
Rising Delinquencies Signal Growing Risk in Transportation & Warehousing
As the U.S. economy continues to recalibrate post-pandemic, the transportation and warehousing segments of the logistics sector are signaling caution. While the broader logistics industry has remained in expansion mode, Experian’s latest Commercial Pulse Report reveals that delinquencies are rising—an early warning of growing risk in two of the economy’s most critical subsectors.
Check out the full report to see how these trends could impact your strategy!
Video
Under Pressure: How Rising Food Costs Are Changing Restaurant Credit Behavior
Experian’s latest Commercial Pulse Report dives into the financial health of the restaurant sector amid rising costs and shifting consumer behavior.
Key insights:
- Menu prices at Full-Service Restaurants rose 4.6% in August — outpacing inflation.
- Limited-Service Restaurants are showing improved credit risk scores, suggesting stronger adaptability.
- Credit access is tightening across the board, with average credit limits falling below $6,000.
- Revolving credit utilization is climbing — an early signal of potential cash flow strain.
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!