Welcome to the Commercial Insights Hub, a one-stop location for up-to-date credit insights on U.S. small businesses. With fresh, up to date credit data on over 25 million active businesses, Experian offers deep insights and a unique view on how they are performing. This centralized hub offers original thought leadership on the state of small business credit in weekly, monthly and quarterly views.
Reports
We publish a series of reports focusing on the health of small and medium businesses. If you would like to be notified when new reports have been published, subscribe to notifications.
Commercial Pulse
The bi-weekly Commercial Pulse provides a directional update on small business credit. It delivers a quick read on current market impacts, high level credit trends, score and attribute impacts, and other market related activities.
The report is refreshed bi-weekly available for download.
Main Street Report
The Experian Main Street Report brings deep insight into the overall financial well-being of the small-business landscape, as well as providing commentary around what specific trends mean for credit grantors and the small-business community. Critical factors in the Main Street Report include a combination of business credit data (credit balances, delinquency rates, utilization rates, etc.) and macroeconomic information (employment rates, income, retail sales, industrial production, etc).
The Main Street Report report is published quarterly.
Beyond the Trends
The Beyond the Trends report provides a directional update on small business credit. We provide a unique view of the small business economy based on data and market trends.
The report is published quarterly.
Meet the Experts
Want to learn more about the insights presented here? Connect with our subject matter experts from the Commercial Data Sciences team for a deeper dive.
Brodie Oldham
Vice President, U.S. Commercial Data Science
As Vice President of U.S. Commercial Data Science, Brodie Oldham leads a team made up of statistical consultants, scientists, modelers, and engineers with diverse skills who provide clients with leading edge analytic-driven information solutions, services, and data visualizations of actionable insights. In addition, he writes and speaks on behalf of Experian about trends in credit markets and how small businesses can grow successful ventures and gain access to funding through strong credit fundamentals.
Emily Garrett
Manager of Commercial Decision Sciences for Ascend Platform
Emily leads a team of analytical consultants with strong statistical and decision science skills who focus on bringing the rich and diverse data contained within the Ascend platform. She brings a strong analytical background, including in small business lending, and uses this experience to lead innovation within the small business lending space.
Javier Rodriguez-Paiva
Strategic Analytic Consultant
Javier leads fraud analytics consulting in the Commercial Decision Sciences team at Experian. In his role, he assists clients with comprehensive fraud management strategies, with an eye on both loss mitigation and business growth. Javier has 10+ years of experience in the analytics consulting role and the financial industry, with a wide breadth of hands-on experience in risk, financial, sales, and marketing data-driven strategy development.
Marsha Silverman
Strategic Analytic Consultant
Marsha leads strategic analytic solutions within Experian’s US Commercial Data Sciences team. In her role, she consults with various clients to drive comprehensive businesses strategies through use of Experian data and analytics across the product lifecycle from prospecting, account acquisition and underwriting through account management. Marsha is an industry expert with 30 years of experience in Financial Services focusing on both risk and marketing analytics for consumer and commercial lending.
Webinars
Experian experts provide regular commentary on the health of small business credit and a wide range of other topics. Subscribe to be notified when new webinars are announced.
The State of Women Business Owners
Emily Garrett from Experian's Commercial Data Sciences presents the 2022 State of Women Business Owners data study.
A Perfect Storm for Business Credit Risk
Experts Li Mao, Emily Garrett and Brian Stack discuss the growing commercial fraud problem and what to do about it.
Quarterly Business Credit Review
Watch the replay of our Q2 2024 Quarterly Business Credit Review where we dive into quarterly small business credit trends.
Blog Articles
Follow our blogs for regular articles covering business information and small business.
Business Information Blog
This blog is written and managed by the team at Experian Business Information Services and focuses primarily on commercial and enterprise topics.
Small Business Matters Blog
The Small Business Matters blog focuses on topics relevant to small business owners. Here we post about business advice and credit education in addition to the latest news and trends impacting small businesses.