The Blueprint - Establishing and Building Business Credit

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!

Subscribe to Commercial Pulse Report

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

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!

Subscribe to Commercial Pulse Report

View our infographic to discover how you can increase revenue and empower your customers to stay informed, avoid delinquencies, and improve their financial well-being.

Here’s a sneak peek of what you’ll find:

• Market trends: Gain insight into the current interest rate environment and its effects.
• Consumer expectations: Learn how to meet rising demands for proactive financial support.
• Financial wellness and identity protection: Discover how credit monitoring and alerts can reduce fraud and help consumers manage their credit more effectively.