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The latest Experian Commercial Pulse Report highlights a remarkable rebound for the Leisure & Hospitality sector:

✈️ TSA screened 903M+ passengers in 2024—a 6.5% increase over pre-pandemic levels.

🏨 Hotel occupancy rates are recovering, though still below pre-pandemic levels, as corporate travel remains reduced.

📊 Credit risk scores across subsectors are steadily improving, reflecting stabilizing financial health.

These trends showcase the sector’s resilience, supported by lower travel inflation and strong consumer demand despite economic pressures.

Credit managers, are you leveraging these insights to adjust your strategies?

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

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Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

As published on the Business Information blog, 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

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.
• Bot-led fraud attacks doubled from January to June 2024.

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
• 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

Visit our Commercial Insights Hub for more economic insights and reports on small business. 

The U.S. (United States) has been in a state of suspended animation from a small business perspective. The domestic election cycle was full of promises focused on government spending to resolve consumer and small business perceived challenges for the next four years. As we emerge from the election cycle, with a clean transition expected, what rhetoric will become a reality is creating uncertainty among lenders and small businesses. Macroeconomic indicators are leaning positive, while stubborn inflation increases prices and borrowing costs. Lenders are targeting a looser environment for underwriting as cashflows remain positive and small businesses feel the rush of holiday shopping. Growth is coming in 2025; the question is how quickly companies can prepare and maneuver through the next 6 months of policy and global volatility.

As published on the Business Information blog in our post titled Construction Industry Resilience, Experian wrote about how the economy continues to evolve and highlights some interesting trends in the housing market and for the many small businesses in the construction industry. This video offers some highlights from our study as well as a current read on macroeconomic conditions.

🔑 Additional Highlights:

• Businesses are shifting from term loans to commercial credit cards for greater flexibility.
• Delinquencies in construction remain lower than other industries, showcasing financial strength.
• High housing demand continues to fuel opportunities despite rising costs and tight credit.

Whether you're navigating financing strategies or tracking industry growth, these insights are a must-read for construction professionals and business analysts.

📥 Download the full report now and stay ahead of the trends shaping the construction landscape.

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

Subscribe to Commercial Pulse Report

As published on the Business Information blog  in a post titled Rising Retail Demand Meets Cautious Lending,  Experian’s latest Commercial Pulse Report reveals significant trends shaping the retail sector:

🔹 25% increase in credit demand among retail businesses, as companies boost inventory for expected holiday sales.

🔹 Discretionary retail sectors like home goods face tighter lending, while Consumer Electronics and Department Stores are nearing pre-pandemic credit levels.

🔹 Retail delinquency rates and charge-offs are rising, putting pressure on commercial credit scores.

These insights highlight both opportunities and challenges for retailers navigating today’s economy. Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report

As published on the Business Information blog in a post titled Fintechs Transforming Financing and Growth -  the fintech industry has grown by 140% since 2018, with North America leading at 34% of global market share. This video recaps some of our research including:

• North American Dominance: North America accounts for over 34% of the global fintech market, making it a key player in the industry’s expansion.
• Innovative Solutions: Fintech companies have transformed traditional financial services with digital solutions in areas like payments, lending, personal finance, and investment management—led by apps like Venmo, Cash App, and Apple Pay.
• Increased Credit Activity: Businesses using fintech financing are 270% more credit-active than those relying on traditional financing, with higher inquiries, trades, credit lines, and balances.
• Higher Risk: Despite increased access to capital, fintech-financed businesses exhibit higher delinquency rates and lower credit scores, presenting added risks for lenders.

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

Subscribe to Commercial Pulse Report