Experian Business Information

U.S. manufacturing is entering a period of significant transformation. Nearly $625 billion in manufacturing megaproject investment is building new capacity, while AI, automation, and robotics are reshaping how manufacturers operate and grow. In this week’s Commercial Pulse, we look beyond the factory floor to explore the trends driving this evolution—including employment and productivity—and use Experian commercial credit data to examine how manufacturers finance their businesses and how their credit performance compares with other industries.

AI may be a priority for banking leaders. But AI is only as effective as the data behind it. High-quality, validated and enriched commercial data can provide the foundation lenders need to apply advanced analytics and machine learning more effectively. In this on-demand conversation, experts from Experian and the Small Business Financial Exchange (SBFE®) discuss how lenders can combine richer data with advanced analytics to: • Improve automated decisioning • Identify growth opportunities • Strengthen portfolio performance • Better serve small businesses The opportunity isn't simply more AI. It's better intelligence. ▶️ Watch on demand. https://ex.pn/4xk2HzU #Lending #SmallBusiness #RiskManagement #AI

Many SBA lenders have now adjusted to life after the SBSS sunset—but the change represents much more than replacing a score. Today's SBA 7(a) Small Loan underwriting 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝘀 𝗺𝗼𝗿𝗲 𝗰𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗰𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗰𝗿𝗲𝗱𝗶𝘁 𝗮𝗻𝗮𝗹𝘆𝘀𝗶𝘀, stronger documentation, deeper guarantor assessment, and greater emphasis on cash flow. 📝𝗜𝗻 𝗼𝘂𝗿 𝗹𝗮𝘁𝗲𝘀𝘁 𝗮𝗿𝘁𝗶𝗰𝗹𝗲, 𝘄𝗲 𝗲𝘅𝗽𝗹𝗼𝗿𝗲: ✔ What changed after the SBSS sunset ✔ How underwriting expectations have evolved ✔ Common challenges lenders are facing ✔ How better data and analytics can help maintain rigor without slowing decisions If you're involved in SBA lending or commercial credit risk, this is a timely read. 👉 Read the full article: [https://ex.pn/4fgnIVK] #SBALending #CommercialLending #CreditRisk #SmallBusinessLending #RiskManagement

Nearly $625 billion is being invested across 59 U.S. manufacturing megaprojects. At the same time, manufacturers are embracing AI and automation while navigating a commercial credit landscape that looks different from many other industries. Our latest Experian insights explore what the data tells us about: • Manufacturing investment and capacity • Employment, productivity and automation • Growing adoption of AI and robotics • How manufacturers use commercial credit • Credit utilization and delinquency trends For commercial lenders and risk leaders, these shifts provide important context for understanding where the industry may be headed. #Manufacturing #Automation #Robotics #CommercialCredit #Experian

20M+ small businesses. 110M+ accounts. That’s the breadth of commercial credit information represented in SBFE® data. For lenders, greater visibility can mean more than additional data. Combined with Experian's analytical capabilities, it can help uncover opportunities, improve decisioning and provide a more complete view of commercial credit behavior. Hear experts from Experian and the Small Business Financial Exchange discuss how lenders can transform commercial credit data into actionable growth intelligence. ▶️ Watch the webinar on demand. https://ex.pn/4xk2HzU #lending #SmallBusiness #RiskManagement

Nearly 40% of new commercial credit activity is coming from businesses less than one year old. For commercial lenders, that raises an important question: How do you identify promising businesses when traditional credit visibility may still be developing? In this on-demand webinar, experts from Experian and the Small Business Financial Exchange (SBFE®) explore how broader commercial credit data, advanced analytics and machine learning can help lenders: • Identify growth opportunities earlier • Enhance automated decisioning • Strengthen portfolio performance • Expand access to capital See how lenders can turn SBFE data into actionable growth intelligence. ▶️ Watch the webinar on demand. https://ex.pn/4xk2HzU #lending #SmallBusiness #RiskManagement

AI may be a priority for banking leaders. But AI is only as effective as the data behind it. High-quality, validated and enriched commercial data can provide the foundation lenders need to apply advanced analytics and machine learning more effectively. In this on-demand conversation, experts from Experian and the Small Business Financial Exchange (SBFE®) discuss how lenders can combine richer data with advanced analytics to: • Improve automated decisioning • Identify growth opportunities • Strengthen portfolio performance • Better serve small businesses The opportunity isn't simply more AI. It's better intelligence. ▶️ Watch on demand. https://ex.pn/4xk2HzU #Lending #SmallBusiness #RiskManagement #AI

We’re heading to Insurtech Connect (ITC) 2026 in Las Vegas at Mandalay Bay. Looking forward to chatting about the latest #trends that can help #insurers make smarter decisions, better understand consumers and navigate what’s next. 📅 September 29–October 1 Stop by Booth #1442 to meet our team and connect. #events #insurance #InsureTech

20M+ small businesses. 110M+ accounts. That’s the breadth of commercial credit information represented in SBFE® data. For lenders, greater visibility can mean more than additional data. Combined with Experian's analytical capabilities, it can help uncover opportunities, improve decisioning and provide a more complete view of commercial credit behavior. Hear experts from Experian and the Small Business Financial Exchange discuss how lenders can transform commercial credit data into actionable growth intelligence. ▶️ Watch the webinar on demand. https://ex.pn/4xk2HzU #lending #SmallBusiness #RiskManagement

Back-to-school spending is rebounding. What does commercial credit data tell us about the retailers behind it? Total back-to-school spending is expected to reach nearly $150 billion in 2026, with K–12 spending projected to rise 10% and college spending 17% compared with last year. Experian commercial credit data adds another dimension to the story. Average commercial balances per retail business increased 13% from 2025 to $25.9K, while revolving utilization remained relatively stable at 29.5% and serious delinquency held at approximately 0.9%. For commercial lenders and risk leaders, the takeaway is worth watching: retail balances are growing, but so far that growth has not been accompanied by broad deterioration in utilization or serious delinquency. Explore the latest Experian Commercial Pulse Report for more insights into retail, small businesses and commercial credit trends. https://ex.pn/4ysrOkg #economy #RetailIndustry #RiskManagement #lending