A recent study shows that small-business credit conditions remained relatively unchanged in Q1 2016, as delinquency and bankruptcy rates held steady at low levels. Much of the slight decrease in delinquencies was driven by fewer small businesses falling within the 61 to 90 and 91+ days past-due categories. Gaining deeper insight into the health of small businesses is important for both lenders and small-business owners. Experian® provides market-leading tools that enable small businesses to find new customers, process new applications, manage customer relationships and collect on delinquent accounts.