Tag: Main Street Report

Experian’s Q4 FY25 Report reveals small business credit trends, lending shifts, and economic forces shaping growth amid policy changes and global uncertainties.

As small businesses prepare for growth - tariffs take center stage Experian is very pleased to announce the release of the Q3 2024 Main Street Report. Join us for a deep dive on Q3 performance Experian will share key findings from our Q3 Main Street Report in the Quarterly Business Credit Review: Tuesday, December 10th, 10:00 a.m. Pacific | 1:00 p.m. Eastern Register to attend Gain insight on small business health The Q3 2024 Experian Main Street Report offers a deep dive into the economic trends and policy shifts shaping small business performance and their credit outlook. With credit risk managers at the forefront of navigating evolving financial landscapes, the report highlights critical developments in economic stability, global trade, and credit performance. These insights are essential for refining risk assessment strategies and positioning portfolios for a resilient 2025. Download the latest report for more insight. Download Q3 Main Street Report

Download the Main Street Report for in-depth analysis on recent small business credit performance.

Get the latest insights on small business credit performance. Mark your calendars! Experian will discuss small business credit conditions when we present key findings found in the latest Main Street Report for Q2 2024 during the Quarterly Business Credit Review. Our lead presenter, Brodie Oldham, will share his take on the macroeconomic environment and then deep-dive into the Q2 Main Street Report and the most recent small business credit data and what it says about how small businesses are performing. We will close by addressing your questions. Why you should attend: 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

Experian Main Street Report says strength in the economy pushes through inflation. Download for analysis on Q1 small business performance.

About the Main Street Report Experian and Oxford Economics have released the Q4 2023 Main Street Report. The 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.). Q4 Report Highlights As we reflect on the journey of the American economy through the last quarter of 2023 and look ahead to 2024, it's clear that the resilience and adaptability of small businesses and consumers have been nothing short of remarkable. Despite facing challenges such as inflation and tighter lending conditions, the entrepreneurial spirit that defines Main Street has not only endured but is poised for growth. Unwavering Consumer Confidence Spurs Economic Optimism The U.S. economy, riding on the robustness of consumer spending, has once again demonstrated its strength. Consumers have outpaced holiday spending expectations, injecting vital liquidity into small businesses. This surge in spending has enabled these businesses to pay down debt and pivot towards capital expenditure and strategic growth planning for the coming year. The foundation of our economic optimism is solidified by the expected continuation of consumer support, bolstered by a strong labor market, and rising disposable incomes. Main Street Report Points to Easing Delinquency Among Small Businesses In the latest report, Oxford Economics anticipates an improved economic backdrop, along with a shift towards easier financing conditions, will keep the rise in corporate delinquencies muted and limit the normalization of bankruptcies over the coming year. Possibility of Changing Fed Policies Bodes Well for Innovation While headwinds such as inflation and cautious lending persist, the horizon is bright for small businesses. The Federal Reserve's anticipated policy adjustments, alongside a resilient consumer base, provide a green light for investment and growth. The adaptability and forward-thinking approach of small businesses will be crucial in harnessing these opportunities, driving not only their success but also contributing to the broader economic prosperity. Let It Grow As we stand on the threshold of 2024, the U.S. economy, powered by the dynamism of Main Street, is preparing to embark on a season of growth. The challenges of the past have paved the way for a future marked by resilience, innovation, and optimism. Small businesses, supported by a strong economic foundation and favorable policies, are set to lead the charge in driving forward the American dream. Download Your Copy of the Q4 2023 Main Street Report Today!

Experian and Oxford Economics Main Street Report for Q3 shows signs of slowdown despite strong Q3 expansion and changing credit conditions.

Get the latest quarterly small business credit trends Mark your calendars! Experian and Oxford Economics will discuss small business credit conditions when we present key findings in the latest Main Street Report for Q3 2023 during the Quarterly Business Credit Review. Michael Pearce, Oxford’s Lead U.S. Economist, will share his take on Experian’s most recent small business credit data and offer a macroeconomic outlook for the coming quarter. Brodie Oldham, Experian’s V.P. of Commercial Data Science, will cover commercial credit trends. Q3 2023 Main Street Report The Q3 2023 Experian/Oxford Economics Main Street report will be released on November 30th. If you are not already subscribed to thought leadership updates, be sure to sign up for updates on our Commercial Insights Hub.

Recession fears may be calming, but several indicators are still flashing for 2024. Experian and Oxford Economics have released the Q2 2023 Main Street Report, the report brings deep insight into the overall financial well-being of the small-business landscape, as well as provides commentary around what specific trends mean for credit grantors and the small-business community. Report Summary During Q2, lenders adjusted underwriting criteria to limit exposure as delinquencies remained elevated for consumers and small businesses. The markets dealt with inflation above target and customers reevaluated their discretionary spending and growth investment strategies. Not all segments of the markets were impacted by environmental forces. Technology-focused companies are leading investment and growth, while logistic, utility, and healthcare struggle, Supply chain disruptions are smoothing, but lighter forecasted demand is already impacting inventory reorders. The softer demand is hitting trucking and logistic companies hard as tonnage, and mileage are lighter than forecasted as consumers return to the in-person experience and engage with eroded purchasing power. The bright spot is consumer resiliency. This prolonged spending strength is fueled by a tight labor market, wage growth, and relief in energy and food costs.Another element is savings. Dwindling savings, increased reliance on unsecured debt to support spending behavior, reassumption of monthly debt servicing obligations (student loan payments), and prolonged inflation place downward pressure on the consumer. Recession fears may be calming, but several indicators are still flashing for 2024. Download Q2 2023 Main Street Report