Insights
Lender optimism toward the US economy is on the rise in the near term following the presidential election and is expected to continue that upward trend heading 2025. Meanwhile, interest rates and consumer activity are the two factors that lenders believe will have the strongest potential to impact the economy.
In the Phoenix Management “Lending Climate in America” survey for Q4 2024, the lenders queried identify which macroeconomic factor concerns them the most, and which actions their customers have planned in the next six to 12 months. The survey also reveals whether lenders’ financial institutions plan to tighten, relax, or maintain their loan structures, how much growth their customers expect heading into 2025, and which industries are likely to experience the most volatility in the upcoming six months.
READ THE COMPLETE SURVEY RESULTS HERE: Click here to view
The “Lending Climate in America” survey is administered quarterly to lenders from various commercial banks, private credit funds, finance companies, and factors across the country. Our team of experts collects, tabulates, and analyzes the results to create a complete evaluation of national attitudes and trends.
In our Q3 2024 survey, with inflation still a factor, the lenders queried share they are focused on the economic impact of the upcoming presidential election....
In our Q2 2024 survey, the lenders queried share which macroeconomic factor concerns them the most, and what actions their customers have planned ahead....
In our survey for Q1 2024, the lenders queried identify which macroeconomic headwind concerns them the most and which actions their customers have planned....