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Oct 2021 | Credit Decisions | Data Insights | Risk Analytics | Small Business

Accurate data powers effective lending

Experian’s Commercial Credit Bureau is a market-leading source of information on British businesses and their financial health. Using data compiled from our bureau, this report explores UK business’s ability to pay back and how this trend plays out across different sectors.

The Bounce Back Loan Scheme (BBLS) triggered unprecedented borrowing volumes among UK businesses in mid-2020. Although government-backed guarantees are in place; where BBLS loans go bad, lenders face reputational, administration and refinancing costs.

In this paper, we analyse early indicators to explore:

  • the macroeconomic environment and the impact this is having on UK SMEs
  • how well UK SMEs are paying back
  • their evolving risk scores and variations by sector

Download the full report now >