In our Business Chat, Greg Carmean shares how the latest SBFE attributes help lenders better assess small business risk and tap into growth opportunities.

Experian has released the Summer 2022 Beyond the Trends report, our deep dive on the small business economy based on our commercial small business insights.

Experian and Oxford Economics have just released the Q1 2022 Main Street report, a window into the credit performance of small businesses complete with macroeconomic analysis. Highlights: The US economy contracted in Q1 for the first time since the pandemic-driven recession ended, but the domestic economy showed resilience in the face of Omicron, lingering supply constraints, and high inflation. Delinquency rates rose across the term periods; the 90+ days past due (DPD) climbed to 0.9 percent. Looking ahead, intensifying headwinds from more aggressive Fed tightening and tighter financial conditions will slow activity this year without stalling it. Download Q1 2022 Report Watch the Quarterly Business Credit Review Webinar Hear the experts from Experian and the lead economist from Oxford Economics unpack the latest Main Street Report. Watch the Quarterly Business Credit Review

Interest rate hike, flat unemployment rate, strong job growth are just a few of the trends we are following in the Commercial Pulse Report.

Join Experian and Oxford Economics for the Quarterly Business Credit Review webinar, your window into small business credit health.

As data privacy regulations become more strict and tech firms implement change, we share how marketers can remain effective while remaining compliant.

Women-owned small businesses make up roughly 34 percent of new business starts. They are among the businesses most heavily impacted by the pandemic, and minority-owned women-led small businesses were the fastest-growing segment coming out of COVID. Despite solid growth, Women business owners face significant barriers to success. We studied a large dataset of women-owned small businesses to understand their unique needs and challenges. The result is a fascinating look at a powerful small business segment. In this talk you will learn: · Credit behaviors · Top industry sectors · Areas of opportunity for lenders Watch Recording

This handy guide explains the practice of Credit Portfolio Management, managing, and monitoring all aspects of your company's credit portfolio.

We've all been experiencing higher prices for food, housing, and certainly at the gasoline pump. If these economic headwinds have  raised concerns about how small businesses are being impacted, we have some fresh perspectives in the Spring 2022 Beyond the Trends report. Beyond The Trends offers a unique view of the small business economy based on what we see in the data. With up to date information on over 25 million active businesses and how they perform from a credit standpoint. Here’s my quick take on what’s in our latest Beyond The Trends Report The next 12 months will be filled with headwinds and mines for small businesses. These entities have been shoring up resources, operations, building in cost increases, and creating backup supplier networks as supply chain disruption and inflation will batter the ship through 2023. Highlights: Consumers seek higher paying jobs, creating labor shortages in blue collar industries, as wage gains are being eaten away by increasing U.S. inflation. Transportation and the utility industries have seen a 69% increase in delinquent balances tied closely to the increase in U.S. inflation. A 4X increase in delinquent balances associated with mining as the US took steps to move away from fossil fuel. Commercial card lending grew 9.9% in the 4th quarter, even as delinquency rates began their upward climb. Energy Takes Center Stage Energy costs are hitting margins and impacting delivery of goods and services. US energy costs  were up 27% in January according to the Bureau of Labor and Statistics. These costs have been rising sharply since March 2021 and will be exacerbated in the 1st quarter 2022 by global reaction to the Russian incursion in Ukraine. Energy supply chains will be disrupted by sanctions and higher transport costs. !function(e,i,n,s){var t="InfogramEmbeds",d=e.getElementsByTagName("script")[0];if(window[t]&&window[t].initialized)window[t].process&&window[t].process();else if(!e.getElementById(n)){var o=e.createElement("script");o.async=1,o.id=n,o.src="https://e.infogram.com/js/dist/embed-loader-min.js",d.parentNode.insertBefore(o,d)}}(document,0,"infogram-async"); Inflation Looms Consumers and small businesses will feel the pinch of lower supply and higher costs. Inflation, outside this event and on the rise, will remain above the Federal Reserve target of 2% through the end of 2022, even as the Fed raises rates and begins to reduce their balance sheet. The US supply chain will be in a slow recovery mode as infrastructure stimulus and global markets return to capacity. Small businesses are adjusting to a high demand low supply market through 2023. !function(e,i,n,s){var t="InfogramEmbeds",d=e.getElementsByTagName("script")[0];if(window[t]&&window[t].initialized)window[t].process&&window[t].process();else if(!e.getElementById(n)){var o=e.createElement("script");o.async=1,o.id=n,o.src="https://e.infogram.com/js/dist/embed-loader-min.js",d.parentNode.insertBefore(o,d)}}(document,0,"infogram-async"); Download Spring Beyond The Trends Report