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Read MoreLenders have expressed dwindling optimism about the U.S. economy's performance in the fourth quarter of 2025, while anticipating that their customers will seek to raise additional capital over the next six months. Additionally, a large majority of the survey respondents believe that the Federal Reserve will cut interest rates in the next six months.
In the Phoenix Management “Lending Climate in America” survey for Q4 2025, the lenders queried identify which two factors will have the strongest potential to affect the U.S. economy, and whether their financial institutions plan to tighten, relax, or maintain their loan structures in the next six months. The survey also reveals which industries the lenders believe are likely to experience the most volatility – including retail, restaurant, and hospitality; healthcare; and consumer products and services – 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.
To view all "Lending Climate in America" reports, please click here.
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