Report
Published August 13, 2024
Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights
The excitement of a U.S. Election cycle in the fall, a cooling economy, rising unemployment, and a turbulent international landscape all play into a fall filled with anxious sentiment but stable cash flows. The economy has been humming at a stable pace over the last two quarters. Consumers have been spending their wage gains while not overleveraging their cards. This stability in the market has led small businesses to operate in the U.S. at pace with expectations. Growth has been slow as credit markets, although open, have tightened underwriting policies that limit both the consumer and small business from gaining access to low-cost funding to enter a season of true growth in the U.S. The economy is cooling, and the market expectations for a Federal Funds Rate cut are rising.
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Construction Industry Resilience
The November 2024 Commercial Pulse Report is here, and it’s packed with critical data on the construction sector’s resilience and the challenges ahead.
🔑 Key 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!
Report
State of the economy report - November 2024
Explore state-level and industry level data that banks, credit unions and fintechs can leverage to be correctly positioned throughout the business cycle.
This month’s highlights include:
- Annual headline inflation ticked up from 2.4% to 2.6%.
- Only 12,000 jobs were added in October, amid hurricane and strike impacts.
- Retail sales maintained strength, increasing 0.4% in October.
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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.
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Rising retail demand meets cautious lending
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!