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Commercial Pulse Report 2/25/2025
Published February 25, 2025
Commercial Commercial Insights Credit & Economic Trends Economic & Market InsightsIn this episode, we discuss the growing economic crosswinds affecting small businesses, recent employment trends, consumer spending patterns, and the impressive growth of minority-owned businesses in the U.S. We highlight the challenges and opportunities these businesses face, particularly in accessing needed capital.
📌 41% of new commercial accounts are minority-owned, yet access to capital remains a barrier.
📌 44% of minority-owned businesses are less than six years old, showing strong entrepreneurial momentum.
📌 Industries like retail, construction, and healthcare are fueling this expansion.
For lenders, this represents an untapped market and a business opportunity with high growth potential.
Check out the full report to see how these trends could impact your strategy!
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Report
Generation Next: Key Generational Insights
Download our report for insights into the major financial milestones your consumers are facing including:
- Gen Z’s journey to independently acquire their first credit products
- Millennials’ quest to become first-time homebuyers
- Baby Boomers and older Gen X reaching retirement
Video
Labor Market Disruption – Why Are Satisfied Workers Leaving?
𝗧𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗘𝘅𝗽𝗲𝗿𝗶𝗮𝗻 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗣𝘂𝗹𝘀𝗲 𝗥𝗲𝗽𝗼𝗿𝘁 𝗶𝘀 𝗼𝘂𝘁!
While job satisfaction remains high ⭐, 𝟭 𝗶𝗻 𝟰 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 𝗮𝗿𝗲 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗶𝗻𝗴 𝗮 𝗷𝗼𝗯 𝗰𝗵𝗮𝗻𝗴𝗲 ⚠️.
Also, union membership is at a historic low—𝗷𝘂𝘀𝘁 𝟵.𝟵%—but public support is rising, especially among younger workers. These dynamics are reshaping employer-employee relationships, with big implications for small businesses.
𝗢𝘁𝗵𝗲𝗿 𝗸𝗲𝘆 𝘁𝗮𝗸𝗲𝗮𝘄𝗮𝘆𝘀:
✔️ Inflation cooled to 2.8%
✔️ 228K jobs added in March
✔️ Unemployment rose to 4.2%
✔️ Consumer sentiment dipped to its lowest since 2022
Small businesses continue to show resilience, with optimism inching up and business starts outpacing pre-pandemic levels.
Check out the full report to see how these trends could impact your strategy!
Webinar
State of Card: Unmasking Fraud Disguised as Credit Risk
With the recent Fed announcement and fewer interest rate cuts on the horizon, it’s time to posture your organization more defensively. Where to start? A portfolio management activity that is often overlooked is the accuracy behind classifying fraud and credit risk.
Join our experts for an insightful webinar where they’ll review:
- The state of the Credit Card industry
- The value of performing lookback reviews – beyond accuracy
- Credit tools to help your portfolio management strategies
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Lending Conditions Chartbook Q1 2025
In our Q1 Lending Conditions Chartbook, we break down the latest economic trends and dive deep into credit conditions across products and regions.
Insights include:
- The labor market appears on decent footing but there are signs of slowing.
- Credit growth remains subdued and is running below its pre-pandemic average as financial institutions maintain tight lending standards and interest rates remain elevated.
- Looking at origination activity, there has been a meaningful pickup among fintechs and in unsecured personal loans.