{"success":true,"data":{"pressRelease":{"id":"155475","rtpr_id":"nBw6r7mxja-20260929","ticker":"EXPN","exchange":"LSE","all_tickers":["EXPN"],"title":"Experian Launches Cashflow Attributes for Commercial Lenders","author":"Business Wire","published_at":"2026-09-29T13:00:03.363Z","article_body":"Experian Launches Cashflow Attributes for Commercial Lenders\n\nNew solution expands Experian’s cash flow and small-business lending\ncapabilities, using banking insights to inform credit decisions and\nresponsibly broaden access to business credit\n\nExperian\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.experian.com%2F&esheet=54612496&newsitemid=20260929177531&lan=en-US&anchor=Experian&index=1&md5=16392e1c84cdf83dd03d99a0578c5f9e)\n(®) today announced Experian Cashflow Attributes for commercial lenders, a\nnew solution that transforms business bank transaction data into\nanalytics-ready attributes to help financial institutions make more informed\ndecisions and gain a deeper understanding of the financial health of the\nbusinesses they serve.\n\n“Small businesses are a vital part of our economy and helping them access\nthe credit they need to grow and expand starts with providing lenders with a\nmore complete understanding of their financial health,” said Molly Poppie,\nChief Product and Analytics Officer for Experian Financial Services and Data.\n“Commercial credit data is critical to understanding business risk, and\nCashflow Attributes for commercial lenders adds another powerful dimension by\nproviding an automated and current view of how a business is operating. By\npairing these insights, we can help lenders make more-informed decisions and\npower more opportunities for small businesses to thrive.”\n\nExperian’s announcement comes as access to capital remains critical for\nsmall businesses looking to operate and grow. According to the Federal Reserve\nBanks’ 2026 Small Business Credit Survey,(1) 60% of small businesses sought\nfinancing in the prior 12 months, most commonly to meet operating expenses\n(56%) or pursue an expansion or new business opportunity (46%). Yet just 42%\nof applicants received all the financing they sought, while more than 1 in 5\nreceived none.\n\nAt the same time, lenders need sufficient information to confidently evaluate\na business's financial health and ability to repay. For businesses with\nlimited commercial credit histories, traditional credit information alone may\nnot provide a complete picture. Cash flow insights can provide an additional\nview into how a business is operating and its overall financial health,\nhelping lenders make more-informed decisions and identify opportunities to\nresponsibly extend credit to more businesses.\n\nExperian’s preliminary analysis shows Cashflow Attributes for commercial\nlenders are particularly useful for businesses with thin credit files,\nproviding up to a 24% lift in predictive performance when paired with\ntraditional commercial credit data.\n\n“At a time when decision-making, especially using AI, is becoming a\nsignificant competitive differentiator, Experian Cashflow Attributes for\ncommercial lenders makes particular sense,” said Jerry Silva, vice\npresident, IDC Financial Insights. “Modern decision platforms need access to\nmultiple alternative data sources, and having commercial transaction\ninformation will give those institutions that leverage it a competitive leg\nup.”\n\nTurning business transactions into actionable insights\n\nLeveraging first-party transaction data, such as information from an\ninstitution’s existing business checking account relationships, or\npermissioned commercial bank account transaction data, Cashflow Attributes for\ncommercial lenders provides insight into a business’ financial health,\nincluding predictive analytics on liquidity, revenue trends, operating\nexpenses, debt exposure and repayment capacity.\n\nDesigned to complement Experian’s commercial credit data, more than 500\nanalytics-ready attributes can be used across underwriting, portfolio\nmanagement and model development to help lenders quickly integrate cash flow\ninto their workstreams.\n\nContinuing Experian’s investment in cash flow insights\n\nThe launch reflects Experian’s continued investment in expanding its cash\nflow capabilities across consumer and commercial markets and expands the\ncompany’s existing commercial credit data and analytics capabilities by\nadding transaction-based signals to lending decisions.\n\nExperian Cashflow Attributes for commercial lenders leverages technology from\nSlope\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fslopepay.com%2F&esheet=54612496&newsitemid=20260929177531&lan=en-US&anchor=Slope&index=2&md5=265251cd034ab8f7208077df5daa388a)\n, a specialist in business decisioning and commercial bank account data,\nselected by Experian to help accelerate the delivery of commercial cash flow\ncapabilities to clients.\n\n“We're excited to collaborate with Experian to help bring richer cashflow\ninsights to commercial lenders,” said Lawrence Lin Murata, co-founder and\nCEO of Slope. “Small businesses generate valuable financial signals through\ntheir daily operations and banking activity. By combining Slope's expertise in\ntransforming business transaction data with Experian's industry-leading\ncommercial credit data and analytics, we're helping lenders gain a deeper\nunderstanding of business performance and create more opportunities for small\nbusinesses to access the capital they need to grow.”\n\nFor more information about Experian’s cash flow capabilities, please visit\nhttps://www.experian.com/business/products/cashflow-attributes?msockid=0f977b755166635b365d6c2750896233\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.experian.com%2Fbusiness%2Fproducts%2Fcashflow-attributes%3Fmsockid%3D0f977b755166635b365d6c2750896233&esheet=54612496&newsitemid=20260929177531&lan=en-US&anchor=https%3A%2F%2Fwww.experian.com%2Fbusiness%2Fproducts%2Fcashflow-attributes%3Fmsockid%3D0f977b755166635b365d6c2750896233&index=3&md5=4abd4392af2f0fd94586aa1e6dff3f92)\n.\n     \n\n (1) Federal Reserve Banks, 2026 Report on Employer Firms: Findings from the                                                                                                                                                                                                                                                                                                                   \n 2025 Small Business Credit Survey, March 3, 2026.                                                                                                                                                                                                                                                                                                                                             \n https://www.fedsmallbusiness.org/reports/survey/2026/2026-report-on-employer-firms                                                                                                                                                                                                                                                                                                            \n (https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.fedsmallbusiness.org%2Freports%2Fsurvey%2F2026%2F2026-report-on-employer-firms&esheet=54612496&newsitemid=20260929177531&lan=en-US&anchor=https%3A%2F%2Fwww.fedsmallbusiness.org%2Freports%2Fsurvey%2F2026%2F2026-report-on-employer-firms&index=4&md5=aee8d257c52d145dafd6911d6e315efc)                               \n\n\nAbout Experian\n\nExperian is a global data and technology company, powering opportunities for\npeople and businesses around the world. We help to redefine lending practices,\nuncover and prevent fraud, simplify healthcare, deliver digital marketing\nsolutions, and gain deeper insights into the automotive market, all using our\nunique combination of data, analytics and platforms. We also assist millions\nof people to realize their financial goals and help them to save time and\nmoney.\n\nWe operate across a range of markets, from financial services to healthcare,\nautomotive, agrifinance, insurance, and many more industry segments.\n\nWe invest in talented people and new advanced technologies to unlock the power\nof data and to innovate. A FTSE 100 Index company listed on the London Stock\nExchange (EXPN), we have a team of 25,200 people across 33 countries. Our\ncorporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.\n\nExperian and the Experian marks used herein are trademarks or registered\ntrademarks of Experian and its affiliates. Other product and company names\nmentioned herein are the property of their respective owners.\n\n\n\nView source version on businesswire.com:\nhttps://www.businesswire.com/news/home/20260929177531/en/\n(https://www.businesswire.com/news/home/20260929177531/en/)\n\nAmanda Garofalo\n\nExperian Public Relations\n\namanda.garofalo@experian.com (mailto:amanda.garofalo@experian.com)\n\n\nCopyright Business Wire 2026","article_body_html":"","raw_payload":{"data":{"id":"nBw6r7mxja-20260929","title":"Experian Launches Cashflow Attributes for Commercial Lenders","author":"Business Wire","ticker":"EXPN","created":"2026-09-29T13:00:03.363Z","tickers":["EXPN"],"exchange":"LSE","article_body":"Experian Launches Cashflow Attributes for Commercial Lenders\n\nNew solution expands Experian’s cash flow and small-business lending\ncapabilities, using banking insights to inform credit decisions and\nresponsibly broaden access to business credit\n\nExperian\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.experian.com%2F&esheet=54612496&newsitemid=20260929177531&lan=en-US&anchor=Experian&index=1&md5=16392e1c84cdf83dd03d99a0578c5f9e)\n(®) today announced Experian Cashflow Attributes for commercial lenders, a\nnew solution that transforms business bank transaction data into\nanalytics-ready attributes to help financial institutions make more informed\ndecisions and gain a deeper understanding of the financial health of the\nbusinesses they serve.\n\n“Small businesses are a vital part of our economy and helping them access\nthe credit they need to grow and expand starts with providing lenders with a\nmore complete understanding of their financial health,” said Molly Poppie,\nChief Product and Analytics Officer for Experian Financial Services and Data.\n“Commercial credit data is critical to understanding business risk, and\nCashflow Attributes for commercial lenders adds another powerful dimension by\nproviding an automated and current view of how a business is operating. By\npairing these insights, we can help lenders make more-informed decisions and\npower more opportunities for small businesses to thrive.”\n\nExperian’s announcement comes as access to capital remains critical for\nsmall businesses looking to operate and grow. According to the Federal Reserve\nBanks’ 2026 Small Business Credit Survey,(1) 60% of small businesses sought\nfinancing in the prior 12 months, most commonly to meet operating expenses\n(56%) or pursue an expansion or new business opportunity (46%). Yet just 42%\nof applicants received all the financing they sought, while more than 1 in 5\nreceived none.\n\nAt the same time, lenders need sufficient information to confidently evaluate\na business's financial health and ability to repay. For businesses with\nlimited commercial credit histories, traditional credit information alone may\nnot provide a complete picture. Cash flow insights can provide an additional\nview into how a business is operating and its overall financial health,\nhelping lenders make more-informed decisions and identify opportunities to\nresponsibly extend credit to more businesses.\n\nExperian’s preliminary analysis shows Cashflow Attributes for commercial\nlenders are particularly useful for businesses with thin credit files,\nproviding up to a 24% lift in predictive performance when paired with\ntraditional commercial credit data.\n\n“At a time when decision-making, especially using AI, is becoming a\nsignificant competitive differentiator, Experian Cashflow Attributes for\ncommercial lenders makes particular sense,” said Jerry Silva, vice\npresident, IDC Financial Insights. “Modern decision platforms need access to\nmultiple alternative data sources, and having commercial transaction\ninformation will give those institutions that leverage it a competitive leg\nup.”\n\nTurning business transactions into actionable insights\n\nLeveraging first-party transaction data, such as information from an\ninstitution’s existing business checking account relationships, or\npermissioned commercial bank account transaction data, Cashflow Attributes for\ncommercial lenders provides insight into a business’ financial health,\nincluding predictive analytics on liquidity, revenue trends, operating\nexpenses, debt exposure and repayment capacity.\n\nDesigned to complement Experian’s commercial credit data, more than 500\nanalytics-ready attributes can be used across underwriting, portfolio\nmanagement and model development to help lenders quickly integrate cash flow\ninto their workstreams.\n\nContinuing Experian’s investment in cash flow insights\n\nThe launch reflects Experian’s continued investment in expanding its cash\nflow capabilities across consumer and commercial markets and expands the\ncompany’s existing commercial credit data and analytics capabilities by\nadding transaction-based signals to lending decisions.\n\nExperian Cashflow Attributes for commercial lenders leverages technology from\nSlope\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fslopepay.com%2F&esheet=54612496&newsitemid=20260929177531&lan=en-US&anchor=Slope&index=2&md5=265251cd034ab8f7208077df5daa388a)\n, a specialist in business decisioning and commercial bank account data,\nselected by Experian to help accelerate the delivery of commercial cash flow\ncapabilities to clients.\n\n“We're excited to collaborate with Experian to help bring richer cashflow\ninsights to commercial lenders,” said Lawrence Lin Murata, co-founder and\nCEO of Slope. “Small businesses generate valuable financial signals through\ntheir daily operations and banking activity. By combining Slope's expertise in\ntransforming business transaction data with Experian's industry-leading\ncommercial credit data and analytics, we're helping lenders gain a deeper\nunderstanding of business performance and create more opportunities for small\nbusinesses to access the capital they need to grow.”\n\nFor more information about Experian’s cash flow capabilities, please visit\nhttps://www.experian.com/business/products/cashflow-attributes?msockid=0f977b755166635b365d6c2750896233\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.experian.com%2Fbusiness%2Fproducts%2Fcashflow-attributes%3Fmsockid%3D0f977b755166635b365d6c2750896233&esheet=54612496&newsitemid=20260929177531&lan=en-US&anchor=https%3A%2F%2Fwww.experian.com%2Fbusiness%2Fproducts%2Fcashflow-attributes%3Fmsockid%3D0f977b755166635b365d6c2750896233&index=3&md5=4abd4392af2f0fd94586aa1e6dff3f92)\n.\n     \n\n (1) Federal Reserve Banks, 2026 Report on Employer Firms: Findings from the                                                                                                                                                                                                                                                                                                                   \n 2025 Small Business Credit Survey, March 3, 2026.                                                                                                                                                                                                                                                                                                                                             \n https://www.fedsmallbusiness.org/reports/survey/2026/2026-report-on-employer-firms                                                                                                                                                                                                                                                                                                            \n (https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.fedsmallbusiness.org%2Freports%2Fsurvey%2F2026%2F2026-report-on-employer-firms&esheet=54612496&newsitemid=20260929177531&lan=en-US&anchor=https%3A%2F%2Fwww.fedsmallbusiness.org%2Freports%2Fsurvey%2F2026%2F2026-report-on-employer-firms&index=4&md5=aee8d257c52d145dafd6911d6e315efc)                               \n\n\nAbout Experian\n\nExperian is a global data and technology company, powering opportunities for\npeople and businesses around the world. We help to redefine lending practices,\nuncover and prevent fraud, simplify healthcare, deliver digital marketing\nsolutions, and gain deeper insights into the automotive market, all using our\nunique combination of data, analytics and platforms. We also assist millions\nof people to realize their financial goals and help them to save time and\nmoney.\n\nWe operate across a range of markets, from financial services to healthcare,\nautomotive, agrifinance, insurance, and many more industry segments.\n\nWe invest in talented people and new advanced technologies to unlock the power\nof data and to innovate. A FTSE 100 Index company listed on the London Stock\nExchange (EXPN), we have a team of 25,200 people across 33 countries. Our\ncorporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.\n\nExperian and the Experian marks used herein are trademarks or registered\ntrademarks of Experian and its affiliates. Other product and company names\nmentioned herein are the property of their respective owners.\n\n\n\nView source version on businesswire.com:\nhttps://www.businesswire.com/news/home/20260929177531/en/\n(https://www.businesswire.com/news/home/20260929177531/en/)\n\nAmanda Garofalo\n\nExperian Public Relations\n\namanda.garofalo@experian.com (mailto:amanda.garofalo@experian.com)\n\n\nCopyright Business Wire 2026"},"type":"article","timestamp":"2026-09-29T13:00:04.2980854Z","server_sent_at_ms":1790686804298},"received_at":"2026-09-29T13:00:04.349Z","source_url":"https://www.businesswire.com/news/home/20260929177531/en/"},"analysis":{"id":"144204","press_release_id":"155475","analysis_json":{"industry":{"label":"Research & Consulting Services","sector":"Industrials"},"redFlags":[],"eventType":"product_launch","narrative":"Experian launched Cashflow Attributes for commercial lenders, turning business bank transaction data into more than 500 analytics-ready attributes for underwriting and portfolio management.\n\nThe company says the product delivers up to a 24% lift in predictive performance for thin-file businesses when paired with traditional commercial credit data.\n\nThe solution leverages technology from Slope, a commercial bank-account data specialist Experian selected to accelerate delivery, extending Experian's broader investment in cash-flow analytics.","sentiment":"bullish","agentHooks":{"shouldPost":false,"suggestedAngle":"Experian deepens its commercial lending data moat with transaction-based cash-flow analytics via Slope partnership."},"keyFigures":{"customDimensions":{"analytics_ready_attributes":500,"predictive_performance_lift":"up to 24%"}},"quotedText":"Cashflow Attributes for commercial lenders adds another powerful dimension by providing an automated and current view of how a business is operating","namedEntities":{"people":[{"name":"Molly Poppie","role":"Chief Product and Analytics Officer, Experian Financial Services and Data"},{"name":"Jerry Silva","role":"Vice President, IDC Financial Insights"},{"name":"Lawrence Lin Murata","role":"Co-founder and CEO of Slope"},{"name":"Amanda Garofalo","role":"Experian Public Relations"}],"products":["Experian Cashflow Attributes for commercial lenders"],"companies":[{"name":"Experian","ticker":"EXPN","relationship":"filer/issuer"},{"name":"Slope","ticker":"","relationship":"technology partner"},{"name":"IDC Financial Insights","ticker":"","relationship":"analyst firm quoted"}],"dollarAmounts":[]},"materialImpact":{"score":2,"reasoning":"Routine product launch expanding Experian's commercial cash-flow analytics, backed by a technology partnership with Slope. 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