{"id":791835,"date":"2024-12-03T07:38:26","date_gmt":"2024-12-03T12:38:26","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/canadian-businesses-face-contrasting-fortunes-as-holidays-approach\/"},"modified":"2024-12-03T07:38:26","modified_gmt":"2024-12-03T12:38:26","slug":"canadian-businesses-face-contrasting-fortunes-as-holidays-approach","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/canadian-businesses-face-contrasting-fortunes-as-holidays-approach\/","title":{"rendered":"Canadian Businesses Face Contrasting Fortunes as Holidays Approach"},"content":{"rendered":"
\n

\n – Business Sentiment <\/strong>
\n u<\/strong>
\n p, <\/strong>
\n b<\/strong>
\n ut Challenges Persist for Debt-Burdened Enterprises<\/strong>
\n –<\/strong>\n <\/p>\n

Equifax Canada\u00ae<\/sup> Market Pulse \u2014 Q3 2024 Quarterly Business Credit Trends Report<\/p>\n

TORONTO, Dec. 03, 2024 (GLOBE NEWSWIRE) — Newer Canadian businesses are driving significant growth in debt balances, according to the Equifax Canada Q3 Business Credit Trends Report, setting a complex stage for the upcoming holiday season. Total business debt balances reached $35 billion in Q3 2024, a 15.3 per cent increase from the same period last year, with businesses opened in the past 24 months contributing to a 25.2 per cent rise in balances compared to their counterparts in Q3 2023.<\/p>\n

At the same time, established businesses showed financial caution, with the average debt per business declining 8.1 per cent year-over-year to $25,366 in Q3 2024. This demonstrates differing approaches among businesses, with newer enterprises contending with higher operational costs while more established ones prioritizing managing debt conservatively.<\/p>\n

\n Improving Sentiment Amid Rising Challenges<\/strong>\n <\/p>\n

Economic conditions are showing early signs of stabilization, bolstered by recent interest rate cuts and inflation returning to the Bank of Canada\u2019s two per cent target. The Equifax Canadian Small Business Health Index improved by 1.5 per cent in Q3 2024, reflecting stronger business confidence and easing credit access.<\/p>\n

\u201cNewer businesses are driving debt growth as they navigate the high costs of establishment and operation,\u201d said Jeff Brown, Head of Commercial Solutions at Equifax Canada. \u201cWhile these businesses are contributing to the economy\u2019s overall momentum, rising delinquencies among debt-burdened enterprises remind us that financial recovery is not evenly distributed.\u201d<\/p>\n

\n Retail Sector Faces Pressures During Key Holiday Season<\/strong>\n <\/p>\n

Heading into the holiday season, the retail industry is grappling with higher-than-average delinquency rates, reflecting challenges such as lower inflation-adjusted consumer credit card spending compared to last year and business disruptions from the Canada Post strike. These pressures come at a critical time for retailers reliant on holiday sales. \u201cRetail businesses are feeling the strain as the holiday season approaches,\u201d added Brown. \u201cBetween the Canada Post strike going on this holiday season, including on the key Black Friday weekend, and weaker discretiona<\/u>ry <\/u>consumer spending<\/u><\/a>, small businesses face an uphill battle.\u201d<\/p>\n

\n Trade <\/strong>
\n Delinquencies Rise as Insolvencies Decline<\/strong>\n <\/p>\n

In Q3 2024, trade delinquency rates for financial and industrial trades increased to 3.3 per cent and 5.9 per cent, respectively, driven largely by installment loans. However, insolvencies showed improvement, with 1,312 businesses filing in Q3 2024, down 14.7 per cent from the previous quarter.<\/p>\n

Early-stage (30-day) delinquency rates are also beginning to stabilize, suggesting financial pressures may be easing as businesses gear up for the fourth quarter.<\/p>\n

\n Looking Ahead<\/strong>\n <\/p>\n

\u201cThis holiday season presents both opportunities and challenges for Canadian businesses”, noted Brown. \u201cWhile improving sentiment and easing financial pressures offer hope, rising delinquencies and an uneven recovery are a reminder of the resilience required for Canadian businesses to succeed in this environment.\u201d<\/p>\n

\n About Equifax<\/strong>
\n
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.ca<\/u><\/a>.<\/p>\n

Contact:<\/p>\n

Andrew Findlater
SELECT Public Relations
afindlater@selectpr.ca<\/u><\/a>
(647) 444-1197<\/p>\n

Angie Andich
Equifax Canada Media Relations
MediaRelationsCanada@equifax.com<\/u><\/a><\/p>\n

\"\"
\n
\n \"\"\n <\/div>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

– Business Sentiment u p, b ut Challenges Persist for Debt-Burdened Enterprises – Equifax Canada\u00ae Market Pulse \u2014 Q3 2024 Quarterly Business Credit Trends Report TORONTO, Dec. 03, 2024 (GLOBE NEWSWIRE) — Newer Canadian businesses are driving significant growth in debt balances, according to the Equifax Canada Q3 Business Credit Trends Report, setting a complex stage for the upcoming holiday season. Total business debt balances reached $35 billion in Q3 2024, a 15.3 per cent increase from the same period last year, with businesses opened in the past 24 months contributing to a 25.2 per cent rise in balances compared to their counterparts in Q3 2023. At the same time, established businesses showed financial caution, with the average debt per … <\/p>\n

Continue reading “Canadian Businesses Face Contrasting Fortunes as Holidays Approach”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-791835","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nCanadian Businesses Face Contrasting Fortunes as Holidays Approach - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/canadian-businesses-face-contrasting-fortunes-as-holidays-approach\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Canadian Businesses Face Contrasting Fortunes as Holidays Approach - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"– Business Sentiment u p, b ut Challenges Persist for Debt-Burdened Enterprises – Equifax Canada\u00ae Market Pulse \u2014 Q3 2024 Quarterly Business Credit Trends Report TORONTO, Dec. 03, 2024 (GLOBE NEWSWIRE) — Newer Canadian businesses are driving significant growth in debt balances, according to the Equifax Canada Q3 Business Credit Trends Report, setting a complex stage for the upcoming holiday season. Total business debt balances reached $35 billion in Q3 2024, a 15.3 per cent increase from the same period last year, with businesses opened in the past 24 months contributing to a 25.2 per cent rise in balances compared to their counterparts in Q3 2023. 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