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      Report

      Beyond The Trends Spring 2023

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      Brakes or gas? Small businesses accelerated performance through 2022, but the curves and twists of 2023 will challenge the perseverance of young drivers.

      Published March 28, 2023

      Commercial Commercial Insights Credit & Economic Trends

      The Spring report contains several insights on small business performance including - delinquencies are rising for small businesses across regions and products, and businesses are making decisions about how they repay debt. The economy will slow in 2023, and consumer and small business credit health and spending behavior will adjust to the new reality. Cashflows will be tested in industry segments focused on home-based work/life as the labor force returns to the office, but some businesses require hybrid work schedules to encourage collaboration and a more connected work environment.

      Subscribe to this quarterly Report here or follow our full suite of quarterly insights on our Commercial Insights Hub.

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      Navigating Industry-Specific Risks

      Experian's latest Commercial Pulse Report highlights how risk profiles vary significantly by industry and business age.

      🔹 New businesses in sectors like Construction and Food Services face higher delinquency rates, signaling elevated credit risks.
      🔹 Meanwhile, industries like Retail and Healthcare maintain stable performance, regardless of business maturity—offering balanced opportunities for lenders.

      Understanding these dynamics is critical for tailoring lending strategies, mitigating risk, and supporting business growth across industries.

      Check out the full report to see how these trends could impact your strategy!

      Subscribe to Commercial Pulse Report

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      12 December 2024

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      This report provides an in-depth analysis of the credit card landscape, offering key insights to help your business tackle today’s challenges and uncover opportunities for growth.

      Key insights:

      • Credit card debt reached an all-time high of $1.17 trillion in Q3 2024.
      • About 19 million U.S. households were considered underbanked in 2023.
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      Q3 2024 Quarterly Business Credit Review

      Watch the recording of the Quarterly Business Credit Review webinar, where Experian shared and discussed critical insights from the latest Main Street Report.

      Why you should watch:

      • Leading Experts on Commercial and Macro-Economic Trends
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      Visit our Commercial Insights Hub for more economic insights and reports on small business. 

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