• Skip to main navigation
  • Consumer
  • Small Business
  • Business
  • Share price at
  • About Experian
  • Consumer Support
  • Credit Advice
  • Global Sites
Toggle main navigation
  • Client Sign in
    • Skip to main content
    • Solutions
      • Solutions
      • Advanced Analytics & Modeling
      • Collections & Debt Recovery
      • Commercial Solutions
      • Customer Management
      • Credit Decisioning
      • Credit Profile Reports
      • Data Reporting & Furnishing
      • Data Sources
      • Data Quality & Management
      • Fraud Management
      • Identity Solutions
      • Marketing Solutions
      • Regulatory Compliance
      • Risk Management
      • Workforce Management
        • Solving for your business needs:
        • Advanced Analytics & Modeling
        • Artificial Intelligence & Machine Learningsmall desc
        • Analytical Decisioningsmall desc
        • Analytics & Modelssmall desc
        • Business Intelligencesmall desc
        • Data Sourcessmall desc
        • Data Discovery & Analysissmall desc
        • Solving for your business needs:
        • Collections & Debt Recovery
        • Collections Analytics & Insightssmall desc
        • Collections Prioritization Strategiessmall desc
        • Regulatory Compliancesmall desc
        • Data & Skip Tracingsmall desc
        • Debt Portfolio Evaluationsmall desc
        • Omnichannel Collectionssmall desc
        • Solving for your business needs:
        • Customer Management
        • Account & Portfolio Monitoringsmall desc
        • Digital Transformationsmall desc
        • Partner with Experiansmall desc
        • Solving for your business needs:
        • Credit Decisioning
        • Credit Decisioning Toolssmall desc
        • Customer Acquisitionsmall desc
        • Credit Attributessmall desc
        • Credit Risk Scoressmall desc
        • Decisioning Softwaresmall desc
        • Instant Decisioningsmall desc
        • Loan Origination Softwaresmall desc
        • Solving for your business needs:
        • Data Reporting & Furnishing
        • Consumer Data Furnishingsmall desc
        • Commercial Data Reportingsmall desc
        • Solving for your business needs:
        • Data Sources
        • Automotive Market Data​small desc
        • Alternative Credit Data (Extended FCRA)small desc
        • Business & Commercial Credit Datasmall desc
        • Buy Now Pay Latersmall desc
        • Consumer Credit Report Datasmall desc
        • Customer Insightssmall desc
        • Fraud & Identity Datasmall desc
        • Marketing Datasmall desc
        • Open Bankingsmall desc
        • Third-Party Data Setssmall desc
        • Solving for your business needs:
        • Data Quality & Management
        • Data Managementsmall desc
        • Data Qualitysmall desc
        • Data Software Solutionssmall desc
        • Solving for your business needs:
        • Fraud Management
        • 1st Party Fraudsmall desc
        • 3rd Party Fraudsmall desc
        • Account Takeoversmall desc
        • Bust Out Fraudsmall desc
        • Commercial Entity Fraudsmall desc
        • Identity Resolutionsmall desc
        • Global Data Breach Servicessmall desc
        • Risk Based Authentication​small desc
        • Synthetic Identity​small desc
        • Solving for your business needs:
        • Identity Solutions
        • Identity Resolutionsmall desc
        • Identity Managementsmall desc
        • Identity Verificationsmall desc
        • Customer Identity Protection​small desc
        • Solving for your business needs:
        • Marketing Solutions
        • Campaign Activation Solutionssmall desc
        • Credit Marketing Solutionssmall desc
        • Identity & Targeting Solutionssmall desc
        • Increase Customer Loyaltysmall desc
        • Marketing Datasmall desc
        • Measurement Solutionssmall desc
        • Solving for your business needs:
        • Regulatory Compliance
        • Regulatory Governancesmall desc
        • Regulationssmall desc
        • Solving for your business needs:
        • Risk Management
        • Automotive Vehicle Historysmall desc
        • Customer Risk Analyticssmall desc
        • Credit Risksmall desc
        • Fraud Risksmall desc
        • Model Risk Managementsmall desc
        • Portfolio Risk Managementsmall desc
    • Products
    • Industries
      • Advertising & Media
      • Automotive
      • Energy & Utilities
      • Financial Services
      • Healthcare
      • Insurance
      • Mortgage
      • Public Sector
      • Rental Property Solutions
      • Telecommunications
        • Solving your Automotive needs:
        • Automotive
        • Ad Agencies & Mediasmall desc
        • Affiliated Auto Industrysmall desc
        • Aftermarket Industrysmall desc
        • Auto Lenderssmall desc
        • Dealerssmall desc
        • OEMssmall desc
        • Solving your Financial Services needs:
        • Alternative Financial Servicessmall desc
        • Bankssmall desc
        • Commercial Financial Institutionssmall desc
        • Credit Unionssmall desc
        • Fintechsmall desc
        • Solving your Healthcare needs:
        • Healthcare
        • Hospitals & Health Systemssmall desc
        • Medical Groupssmall desc
        • Payerssmall desc
        • Pharmacies & Diagnosticssmall desc
    • Thought Leadership
      • Resources
      • Testimonials & Case Studies
      • Insights & Blogs
      • Preference Center
        • Insights & Blogs
        • Business Informationsmall desc
        • Commercial Insights Hubsmall desc
        • Data Breach Resolutionsmall desc
        • Data Quality Trendssmall desc
        • Economic and Market Insights small desc
        • Employer Servicessmall desc
        • Experian Insightssmall desc
        • Experian Partner Solutionssmall desc
        • Healthcaresmall desc
        • Marketing Forwardsmall desc
        • Small Business Matterssmall desc
    • About Experian
      • About Experian
      • Specialized Services
      • Innovation at Experian
      • Company Information
      • Investor Relations
      • Careers
        • Business Information Servicessmall desc
        • Consumer Information Servicessmall desc
        • Data Breach Resolutionsmall desc
        • Experian Data Qualitysmall desc
        • Decision Analyticssmall desc
        • Employer Servicessmall desc
        • Experian Advisory Servicessmall desc
        • Marketing Servicessmall desc
        • Partner Solutionssmall desc
        • Big Datasmall desc
        • Experian DataLabssmall desc
        • Developer Portal & API Hubsmall desc
        • Experian Venturessmall desc
        • Corporate Fact Sheetsmall desc
        • Corporate Social Responsibilitysmall desc
        • Our Commitmentsmall desc
    • More...
      • Client Sign In
      • Automotive
        • AutoCheck
        • AutoCount
        • AutoCount Accelerate
        • Experian Marketing Engine
        • Velocity
      • Health
        • Claim Scrubber
        • ClaimSource®
        • Collections Optimization Manager
        • Compliance Manager
        • Contract Manager
        • Identity Verification
        • Medical Necessity
        • OneSource®
        • Order Manager
        • Patient Estimates
        • Patient Financial Clearance
        • Patient Schedule
        • Payer Alerts
      • Business Credit
        • Business Credit Reports
        • BusinesslQ
        • Small Business Credit
        • Smart Business Reports
        • Supplier Check Reports
      • Workforce Management
        • ACA Reporting
        • Compliance Library
        • I-9 Management
        • Pay Statements
        • Tax Credits
        • Tax Statements
        • Tax Withholding
        • Unemployment Management
        • Verification Fullfillment
      • Other
        • Audience Engine
        • Business Public Records
        • ContractorCheck
        • Experian Access
        • Experian Connect
        • Experian Data Quality
        • Experian Developer Portal
        • LPS (List Processing Solution)
        • Mosaic Portal
        • Small Business Services
      • Automotive
          • AutoCheck
          • AutoCount
          • AutoCount Accelerate
          • Experian Marketing Engine
          • Velocity
      • Health
          • Claim Scrubber
          • ClaimSource®
          • Collections Optimization Manager
          • Compliance Manager
          • Contract Manager
          • Identity Verification
          • Medical Necessity
          • OneSource®
          • Order Manager
          • Patient Estimates
          • Patient Financial Clearance
          • Patient Schedule
          • Payer Alerts
      • Business Credit
          • Business Credit Reports
          • BusinesslQ
          • Small Business Credit
          • Smart Business Reports
          • Supplier Check Reports
      • Workforce Management
          • ACA Reporting
          • Compliance Library
          • I-9 Management
          • Pay Statements
          • Tax Credits
          • Tax Statements
          • Tax Withholding
          • Unemployment Management
          • Verification Fullfillment
      • Other
          • Audience Engine
          • Business Public Records
          • ContractorCheck
          • Experian Access
          • Experian Connect
          • Experian Data Quality
          • Experian Developer Portal
          • LPS (List Processing Solution)
          • Mosaic Portal
          • Small Business Services

      Report

      Beyond the Trends - Spring 2024

      • Facebook
      • X
      • Linkedin
      • Email
      • Print

      Ready for springtime growth

      Published May 14, 2024

      Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights Beyond the Trends - Spring 2024

      The U.S. small business sector faces a pivotal moment as it reflects on a year marked by economic resilience and cautious optimism. Despite widespread fears of a recession in 2023, consumer spending held steady, even amid rising costs. Business owners managed to navigate inflationary pressures, surprising themselves with customer willingness to adapt to price increases. Looking ahead to 2024, the economic outlook remains strong, but persistent inflation and uncertain lending conditions pose challenges. For small business owners contemplating growth, the question remains: is the economic landscape stable enough to transform plans into action? This edition explores the opportunities and uncertainties facing small businesses as they weigh expansion against ongoing market volatility.

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

      Download report

      This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

      Thank you.

      Your report will open in a new tab. Thank you for your interest in Experian thought leadership content.

      Related resources

      Video

      20 November 2024

      Fintech Futures: Scott Brown at Money 2020

      In this video interview filmed during Money 2020 in Las Vegas, Scott Brown, group president of financial and marketing services, sits down with Fintech Futures’ North America Correspondent Heather Sugg to share how Experian is bringing together the world of data, analytics and software to help modernize the financial services industry.

      Video

      12 November 2024

      Commercial Pulse Highlights - 11.12.2024

      As we head into the holiday season, 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

      Report

      06 November 2024

      Experian's Clarity Services Q3 2024 Insights Report

      Dive into Experian Clarity Services' latest quarterly report on alternative financial services (AFS). Our comprehensive analysis of key metrics and scores offers valuable insights into consumer behavior in the AFS sector.

      This quarter's report covers:

      • Application Trends
      • Consumer Behavior
      • Loan Performance and Originations

      Elevate your understanding of the AFS industry. Access the Experian Clarity Services Quarterly Insights Report now to uncover insights that fuel success in today’s dynamic financial landscape.

      Webinar

      31 October 2024

      Macroeconomic forecasting and regional trends - October 2024

      Join our industry experts as they discuss national economics and credit trends and housing and auto sector trends as of October 2024.

      Listen now to get insights on:

      • Our latest in-house economic forecasts for the rest of the year
      • Key economic, credit and small business trends
      • Relevant KPIs your organization to focus on
      • Legal Terms & Conditions
      • Privacy Center
      • U.S. Data Privacy Policy
      • Ad Choices
      • Press
      • Careers
      • Investor Relations
      • Contact Us
      EXPERIAN'S DIVERSITY, EQUITY AND INCLUSION Learn more how Experian is committed
      DATA PRIVACY Your privacy choices

      ©2024 Experian Information Solutions, Inc. All rights reserved.

      Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian. Other product or company names mentioned herein are the property of their respective owners.