Atlas Platform Decisioning Intelligence

Where smart business lenders get insights on how to make data-driven decisions in a post-pandemic economy

Macroeconomic Indicators | Credit Trends | Lending Conditions

Atlas Platform follows the key factors affecting small business sentiment, consumer spending habits, and credit trends currently influencing the US economy. Get monthly deep dive insights and tips on how small business lenders can leverage this data.    

Key Takeaways - September 2021

Small Business Financing

Small Business Delinquencies (SBDI) remains at low levels after recovering from distress in the first half of 2020 due to the Covid-19 crisis. Certain industries are now showing delinquency rates below pre-pandemic levels.

Consumer Sentiment

Consumer Sentiment has shown recent disappointing readings as other sentiment indicators continue to register expansionary levels. This is likely due to the impact and concern of the Delta variant. Recent waning levels in hospitalizations and new cases could suggest the worst has passed.

Consumer Strength

Consumer strength is seen in retail sales despite the month over month decline and disappointing sentiment. Spending levels remain well above the long term trend and last year’s levels.

Key Takeaways - August 2021

Small Business Financing

The small business financing environment has become more accommodating with credit growth as reflected in LOC originations exceeding pre-pandemic growth rates.

Small Business Sentiment

Sentiment data from small businesses, manufacturers and the service sector all point to broad optimism at or near pre-pandemic levels supporting the broader economic environment.

Consumer Strength

Consumer strength is seen in retail sales as spending remains above trend levels. Credit utilization rate declined with stimulus money or savings from reduced discretionary spending used to pay down card balances. As credit utilization rates rise towards pre-pandemic levels and the unemployment rate continues to improve, retail sales will remain strong.

CPI
(Consumer Price Index)

CPI (Consumer Price Index)levels have recently registered readings above trend. This recent inflation is largely the result of pandemic related supply chain shortages due to re-routed tankers, closed sawmills and chip factories, etc.

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Copyright 2021 StreetShares, Inc. This document has been prepared for general information purposes only and is not intended to be relied upon as legal, accounting, tax, or other professional advice. This document and the information contained herein is “AS IS” and is based, in part, on information obtained from other sources. Our use of information from other sources does not imply that we have independently verified or necessarily agree with any of such information. Please refer to your own legal, accounting, tax, or other  professional advisors for specific advice.

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