Report
Published May 31, 2022
Commercial Commercial Insights Credit & Economic TrendsExperian begins a new chapter with the release of the Q1 2022 Main Street Report through our collaboration with the leading economists at Oxford Economics. During Q1, small businesses kept average commercial loan balances healthy and stable. At the same time, moderate delinquency inched up but remained low overall as business and consumer travel returned to form, offering major tourist destinations a boost.
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Video
Unemployment down, rate cuts on hold
This week's Commercial Pulse Report highlights key economic trends and small business credit conditions, providing insights for lenders, risk professionals, and business leaders.
The U.S. economy continues to face high interest rates and shifting market conditions:
- Inflation rose to 2.9% in December, marking its third consecutive increase and the highest level since July 2024.
- Unemployment declined to 4.0% in January, the lowest level since April 2024, but job growth slowed, with only 143K jobs added.
- Q4 GDP grew at 2.3%, down from 3.1% in Q3, indicating a moderate but slowing expansion.
- The Federal Reserve kept interest rates steady, reinforcing concerns about persistent inflation.
This report features the latest findings from the Experian Small Business Index™, a data-driven tool tracking small business financial health.
Check out the full report to see how these trends could impact your strategy!
Webinar
The Resilient American Gen Zer
In an era of economic uncertainty, resilience can seem out of reach, but Gen Z is flipping the script. Watch this webinar to explore:
- Key credit trends and behaviors shaping Gen Z
- Their perspectives on personal finance and aspirations for the future
- How organizations can better support and engage this dynamic cohort
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Leisure and Hospitality Resilience and Recovery
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!