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米国におけるスモールビジネス向け金融サービス

Financial Services for Small Businesses in the U.S., 3rd Edition

発行 Packaged Facts 商品コード 62937
出版日 ページ情報 英文 163 Pages
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米国におけるスモールビジネス向け金融サービス Financial Services for Small Businesses in the U.S., 3rd Edition
出版日: 2015年02月26日 ページ情報: 英文 163 Pages
概要

米国のスモールビジネスは、不況後の業績回復では大企業に後れを取りましたが、今では順調に業績を拡大させており、それに合わせて各種金融機関がスモールビジネス向けの商品・サービスの拡充を進めています。スモールビジネス向けクレジットカードの購入決済額だけでも5050億米ドルに達し、さらに2015年には11.5%拡大すると予想されています。それでもなお、スモールビジネス向け融資はまだ十分に拡大しておらず、商品開発の余地はまだ大きいと言えます。他方、どの金融機関から融資を受けるのかも問題で、大手銀行と小口金融業者とでは、スモールビジネスとの関係性に大きな差があります。スモールビジネスの関係者 (オーナー、管理職、自営業者) の資産運用・融資傾向についてよく理解しておくことも、また重要と成ります。

当レポートでは、米国の小規模企業向け金融サービス市場を形成するさまざまな動向について調査し、消費者調査結果の分析、小規模企業経営者・マネージャー・自営業者の動向分析、小規模企業の雇用・企業規模動向、主要銀行・クレジットカード発行会社の小規模企業向け金融サービス戦略、スモールビジネス向け融資の条件・期間と融資動向、スモールビジネス向けクレジットカード/チャージカードの利用動向などをまとめてお届けいたします。

第1章 エグゼクティブサマリー

第2章 スモールビジネス向け金融サービス市場

  • 標的市場
  • 米国のスモールビジネスの構造・現状
  • 不況後のスモールビジネスの回復傾向
  • スモールビジネスの支出機会
  • スモールビジネスの課題
  • 取引信用
  • スモールビジネス向けクレジットカードの市場規模と予測
  • スモールビジネス向けクレジットカードに対する、金融機関からの強力な支援
  • ビジネスローン
  • ApplePay:スモールビジネス市場を開拓できるか?

第3章 スモールビジネスの企業・人口構成、銀行との関係性、融資可能性

  • 企業オーナー・管理職・自営業者の人数
  • 市場の人口規模・動向のの計測
  • 世帯所得の動向
  • 銀行との関係性
  • 企業側の購入意思決定
  • スモールビジネス向け銀行業務・投資の傾向

第4章 競合領域

  • American Express
  • Bank of America
  • Capital One
  • Citibank
  • JPMorgan Chase
  • MasterCard
  • U.S. Bank
  • Visa Inc.
  • Wells Fargo

第5章 スモールビジネスの融資動向

  • 融資期間と需要動向
  • 企業貸し出しの条件に関する調査
  • 商業銀行による、連邦預金保険公社 (FDIC) の保証付きのスモールビジネス向け融資の動向
  • スモールビジネス向け融資額の動向:銀行の規模別
  • 地域再投資法に基づくスモールビジネス向け融資の動向
  • 連邦小企業庁 (SBA) のプログラム

第6章 スモールビジネスのクレジットカード動向

  • スモールビジネスのクレジットカード利用傾向:消費者向けカードよりも回復が遅れる
  • 個人用・企業用クレジットカード/チャージカードの利用傾向 (過去6年間分)
  • 利用者人口プロファイル:スモールビジネス向けクレジットカードのユーザー数、ブランド別

付録

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目次
Product Code: LA5236764

Having lagged the post-recession recovery curve of larger companies, small businesses continue to build momentum-and financial institutions large and small are broadening their arsenal of products and services accordingly. Packaged Facts estimates the value of purchases made with small business credit cards alone at $505 billion, and we expect 11.5% growth in 2015. So far, small business loans have not caught up, leaving ample room for innovation. But it's also about finding the right bank: our analysis reveals significant differences in large banks' ratios of small business and microloans to loans outstanding. And it's also about understanding small business participants-owners, managers, the self-employed-whose banking, securities, and business credit card usage we trend to lend insight into their bankability.

Financial Services for Small Businesses in the U.S., 3rd Edition assists in understanding these and other trends shaping the market for small business financial services. The report does the following:

  • Assesses the small business financial services strategies of American Express, Bank of America, Capital One, Citibank, JPMorgan Chase, MasterCard, U.S. Bank, Visa and Wells Fargo, with an emphasis on their respective small business card and small business lending programs and related initiatives. Analysis includes small business credit card purchase value estimates; and, for Visa and MasterCard, debit card purchase value estimates.
  • Assesses the small business financial services market, by identifying and trending small business participants (owners, self-employed, etc.); employment and firm size; business challenges; and use of credit (trade credit, loans, and credit cards).
  • Trends small business owner, small business management & self-employed worker demographics, with a focus on household income, securities and residential ownership trends.
  • Trends small business owner banking relationships and products used by institution, as well as investment trends and banking and credit card products used, through 2014.
  • Identifies the degree small business stakeholders are involved in purchasing decisions & the purchase decision process.
  • Provides small business expenditure market sizing estimates and a detailed market size and forecast for small business credit/charge and debit cards by card network.
  • Trends consumer and business credit card usage and behavior through 2014 among 1) all adults employed by small businesses, 2) small business owners and managers, and 3) self-employed individuals working for small businesses. Metrics include card usage and active usage, and we emphasize demographic analysis of respondent HH income, company size and securities owned.
  • Analyzes the small business cards programs of the top 100 U.S. financial institutions by assets.
  • Assesses the degree personal cardholders use business cards and vice versa, with an estimate for amount of personal card spend done on business cards.
  • Trends and ranks major banks by total amount of small business loans and microloans and share of total loans outstanding (including nonfarm non-residential loans and commercial and industrial loans) through 2014.
  • Trends and ranks the top SBA lenders by total loan volume and by share of total loans outstanding through 2014.
  • Trends small business loan demand and credit standards; and financing and funding choices through 2014.

Table of Contents

Chapter 1: Executive Summary

  • Report Scope
  • Report Summary
  • The market for small business financial services
  • The target market
  • Small business spend opportunity
  • Small business challenges
  • Trade credit still rules
  • But credit cards supplant business earnings as top source of financing
  • Secret to small business card success
  • Small business card market size and forecast
  • Small business credit cards enjoy strong financial institution support
  • Business loan trends
  • ApplePay: Does American Express have the advantage?
  • Small business demographics, banking relationships and bankability
  • Sizing market participants
  • HH income, securities ownership and home ownership trends: 2008-2014
  • Banks attracting small business participants
  • Bank credit card relationships
  • Purchasing decisions & the purchase decision process
  • Small business participant banking and investment trends
  • Investment trends suggest recession scars & product opportunity
  • The competitive arena
  • American Express
  • Bank of America
  • Capital One Financial
  • Citibank
  • JPMorgan Chase
  • MasterCard
  • U.S. Bank
  • Visa
  • Wells Fargo
  • Small business lending trends
  • Loan demand picking up but small firms lag
  • Commercial bank small business lending trends by bank asset size and loan size
  • Community Reinvestment Act small business loan trends
  • Small Business Administration lending trends
  • Small business credit card usage trends
  • Small business credit card recovery lags consumer recovery
  • Small business cardholder demographics
  • Conversion opportunity

Chapter 2: The Market for Small Business Financial Services

  • The target market
  • Small business cards
  • Business loan trends
  • ApplePay & American Express
  • The U.S. small business universe
  • Firms versus establishments; employer versus non-employer firms
  • Self-employment
  • More than twenty eight million small businesses
  • Post-recession growth tilts to non-employers
  • Table 2-1: Number of Employer & Non-Employer Firms and Small & Large Business Firms, 2007-2012
  • Small firm and small firm employment recovery comes up short
  • Smallest firms have yet to recover from recession declines
  • Table 2-2: Distribution of Private Sector Firms by Size Class, Population & Percentage Share, 2007-2014
  • Employment share among smallest firms declines
  • Graph 2-3: Distribution of Private Sector Employment by Firm Size Class, Population & Percentage Share, 2007-2014
  • Self-employment ticks upward, with trend toward incorporation
  • Graph 2-1: Self-Employed Adults, Incorporated & Unincorporated, 2007-2014
  • Small business by vertical
  • Table 2-4: U.S. Small Business Employer Firms, Establishments, Employment and Payroll, by Industry: Number and Share, 2012
  • Small business spend opportunity
  • The Visa Commercial Consumption Expenditure Index
  • Before the recession
  • Knee-deep in the recession
  • Post-recession
  • The McKinsey Payments Map
  • Spend categories
  • Small business challenges
  • Biggest problem? Taxes and government.
  • Graph 2-2: Single Most Important Problem Facing Small Business: 2008-2015
  • Credit use by small businesses
  • Increasing access to capital
  • But more than a quarter still shut out
  • Credit cards supplant business earnings as top source of financing
  • Table 2-5: Types of Financing Used by Small Businesses in Past 12 Months, 2012-2014
  • Trade credit
  • Table 2-6: Small Business Customer Experiences
  • Small business cards
  • Small business credit card market size and forecast
  • Lots of extended credit; lots of spend
  • More than $500 billion in purchase value
  • Higher rates of growth to follow
  • Table 2-7: U.S. Small Business Card Purchase Value & Share of Total Value, 2012-2014
  • Visa, MasterCard and American Express each grow share in highly competitive environment
  • Table 2-8: U.S. Small Business Card Purchase Value: Total, Credit/Charge & Debit/Prepaid, by Card Network 2012-2014
  • Small business credit cards enjoy strong financial institution support
  • Visa has a wide lead
  • Table 2-9: Small Business Credit Card Programs Offered among Top 100 Financial Institutions,by Number of Cards, Number of Bank Programs and Network Brand, 2015
  • Cobrand and affinity cards concentrated among major credit card issuing players
  • Table 2-10: Small Business Credit Cards Offered among Top 100 Financial Institutions, by Number of Cards; Own Brand, Co-Brand & Affinity; and Network Brand, 2015
  • It doesn't take a banking behemoth to offer a strong small business card program
  • Table 2-11: Small Business Credit Card Programs Offered among Top 100 Financial Institutions,by Institution, Number of Cards and Network Brand, 2015
  • Business loans
  • Still a week spot
  • Loosening loan standards
  • But small business loans have yet to catch up
  • And issues with demand persist, especially among smallest firms
  • ApplePay: can it tap small business?
  • Advantage American Express?
  • Table 2-12: iPhone Ownership, All Adults, Small Business Owners, Managers and Self-Employed, 2014
  • Table 2-13: Small Business Owner/Manager iPhone Users vs. Non-Users: Have Credit Card, Branded Credit Card, and Business Card by Brand, 2014

Chapter 3: Small Business Demographics, Banking Relationships & Bankability

  • Owners, management & self-employed workers
  • Defining our terms
  • Sizing the population
  • Table 3-1: Small Business Owners, Small Business Managers & Small Business Self-Employed:2014 Population & Percent of Population
  • Trends over time
  • Graph 3-1: Small Business Owners, Small Business Managers & Small Business Self-Employed:2009-2014
  • Self-employed wear owner and manager hats
  • Table 3-2: Small Business Owners, Small Business Managers & Small Business Self-Employed:Population Overlap, 2014
  • Small business composition, by company size
  • Graph 3-2: Small Business Owner, Management & Self-Employed Population Share, by Size of Company: 2014
  • Small business demographic analysis
  • Small business participants as mass affluent/affluent customer acquisition targets
  • Share of women lags population average but is substantial
  • Graph 3-3: All Adults, Small Business Owners & Small Business Self-Employed Share of Population,by Selected Demographics, 2014
  • HH income trends
  • Graph 3-4: All Adults, Small Business Owners & Small Business Self-Employed, By HH Income Bracket,2008-2014
  • Securities ownership trends
  • Graph 3-5: Securities Ownership Trends Among All Adults, Small Business Owners & Self-Employed,by Amount of Securities Owned, 2008-2014
  • Residence ownership trends
  • Home ownership influences entrepreneurship
  • Small business owners more likely to be home owners
  • Residence value declines
  • Graph 3-6: Home Ownership Trends Among All Adults, Small Business Owners & Self-Employed,by Value/Ownership of Residence, 2008-2014
  • Banking relationships
  • Small business owner/managers and self-employed call Bank of America home
  • Wells Fargo and Chase make up ground
  • Table 3-3: Financial Institution Used as Primary Bank by Small Business Owner/Managers & Self-Employed, 2014
  • Credit card relationships
  • Chase on top
  • Top four each perform well
  • Table 3-4: Financial Institution Issuing Credit Card, by Small Business Owner/Managers & Self-Employed,2014
  • Business purchasing decisions
  • Small business purchasing decisions; small business purchasing cards?
  • Table 3-5: Percentage of Small Business Owners, Managers & Self-Employed Involved in $5,000+
  • Business Purchase Decision in Past 12 Months, 2014
  • The business purchase decision process
  • Table 3-6: Small Business Owners, Managers & Self-Employed Involved in $5,000+ Business Purchase
  • Decision in Past 12 Months, Manner of Involvement, 2014
  • Small business banking and investment trends
  • Small business bank accounts & deposits provide upsell/cross-sell opportunity
  • Savings account growth and checking declines suggest liquidity issues
  • Table 3-7: Percentage of Small Business Owners, Management & Self-Employed Having Savings,Non-Interest Checking and Interest Checking, 2009 vs. 2014
  • Investment trends suggest recession scars & product opportunity
  • Solo 401K opportunity
  • Table 3-8: Percentage of Small Business Owners, Management & Self-Employed Having 401K,Mutual Funds and Keogh/SEPP-IRA/Pensions, 2009 vs. 2014
  • Small business credit cards: lots of chips left on the table
  • Table 3-9: Percentage of Small Business Owners, Management & Self-Employed Having Credit Cards,Branded Credit Cards and Business Credit Cards, 2009 vs. 2014

Chapter 4: The Competitive Arena

  • American Express
  • Value proposition
  • Special services and programs abound
  • Commercial card customer segmentation
  • OPEN for competition
  • Membership Rewards
  • Card developments and enhancements
  • Bolstering the Plum Card
  • Delta gets a re-up
  • Movement to category-based rewards tiers
  • SimplyCash gets a reboot
  • Business Gold follows
  • Chinks in the armor
  • American Express Platinum's airport lounge problem
  • Costco contract termination
  • Table 4-1: American Express Small Business Own-Brand & Co-brand Credit Card Programs: 2015
  • Product and service developments and enhancements
  • OPEN Forum
  • Merchant financing
  • ReceiptMatch
  • OptBlue
  • Marketing initiatives
  • Small Business Saturday a growing success
  • The American Express small business card user
  • Table 4-2: American Express Small Business Credit Card Use: Any Credit Card vs. Business Credit Card, by Small Business Participant Category, 2014
  • Table 4-3: American Express Small Business Owner/Manager & Self-Employed Credit Card Use: Any Credit Card vs. Business Credit Card, by HH Income and Securities Owned, 2014
  • Table 4-4: Small Business Participants: All vs. American Express Business Card Users, by Company Size,HH Income, Securities Ownership & Business Purchasing Amount, 2014
  • American Express small business growth trends
  • Table 4-5: American Express U.S. Billed Business, OPEN Billed Business & Percent Charge, 2010-2014
  • Bank of America
  • Small business milestones
  • Table 4-6: Bank of America Small Business Own-Brand, Co-brand & Affinity Credit Card Programs: 2015
  • Small business card portfolio
  • Bank of America Consumer and Small Business growth trends
  • Table 4-7: Bank of America Consumer and Small Business Loan Metrics, Debit and Credit Purchase Value,Locations and ATMs, 2012-2014
  • Capital One
  • Getting to know you while you get to know us
  • A strong own-brand small business card platform
  • Bumping up rewards
  • Table 4-8: Capital One Spark Business Cards: Rewards Comparison, 2013-2015
  • Building a cobrand portfolio
  • BuyPower Business
  • TrueEarnings next?
  • Table 4-9: Capital One Small Business Own-Brand & Co-brand Credit Card Programs: 2015
  • Non-card small business products and services
  • Capital One small business card growth trends
  • Table 4-10: Capital One Financial Corporation: U.S. Credit Card Purchase Value & Loans Outstanding,2011-2014
  • Table 4-11: Capital One Financial Corporation: U.S. Credit Card Purchase Value & Loans Outstanding: Consumer vs. Small Business, 2014
  • Citibank
  • ThankYou program
  • A light small business card footprint
  • Table 4-12: Citibank Small Business Own-Brand & Co-brand Credit Card Programs: 2015
  • AAdvantage card a small business spend gem?
  • Table 4-13: Citibank Citi-Branded & Retail Card Purchase Value and Loans Outstanding & 2014 Small Business Share, 2012-2014
  • JPMorgan Chase
  • Small business leadership
  • Small business cards gaining traction
  • Table 4-14: JPMorgan Chase Small Business Own-Brand & Co-brand Credit Card Programs, 2015
  • Enhancing rewards
  • Table 4-15: Ink Plus vs. Ink Cash, 2015
  • Launching and enhancing small business tools-and small business image
  • Jot
  • Small Business Forward
  • Chase Platinum Business
  • The Mission? Connecting to Main Street
  • Small business lending
  • Small business credit card growth trends
  • Table 4-16: JPMorgan Chase Credit Card Volume, Loans Outstanding & Related Metrics: Consumer vs. Small Business, 2012-2014
  • MasterCard
  • Small business growth objectives
  • An integrated approach
  • Business card programs in a nutshell
  • Bank relationships
  • Table 4-17: Small Business Credit Card Programs Offered among Top 100 Financial Institutions, by Number of Cards, Number of Bank Programs and Network Brand, 2015
  • Table 4-18: MasterCard Small Business Credit/Charge Card Cards, by Major Issuer and Rewards Type:2015
  • The MasterCard small business card user
  • Table 4-19: MasterCard Small Business Credit Card Use: Any Credit Card vs. Business Credit Card, by Small Business Participant Category, 2014
  • Table 4-20: MasterCard Small Business Owner/Manager & Self-Employed Credit Card Use: Any Credit Card vs. Business Credit Card, by HH Income and Securities Owned, 2014
  • Table 4-21: Small Business Participants: All vs. MasterCard Business Card Users, by Company Size, HH Income, Securities Ownership & Business Purchasing Amount, 2014
  • Small business tools and resources
  • MasterCard Easy Savings
  • Online Reporting Solutions
  • MasterCard PriceAssure
  • Corporate spending controls to increase automation and delegate card spending
  • Small business relationships
  • U.S. small business card growth trends
  • Table 4-22: MasterCard U.S. Total & Small Business Card Value, 2012-2014
  • U.S. Bank
  • New cards give small business the “Edge”
  • Table 4-23: U.S. Bank Small Business Own-Brand & Co-brand Credit Card Programs, 2015
  • Small business tools
  • Visa Inc.
  • Commercial payment solutions
  • Small business solutions
  • The Visa small business card user
  • Table 4-24: Visa Small Business Credit Card Use: Any Credit Card vs. Business Credit Card, by Small Business Participant Category, 2014
  • Table 4-25: Visa Small Business Owner/Manager & Self-Employed Credit Card Use: Any Credit Card vs. Business Credit Card, by HH Income and Securities Owned, 2014
  • Table 4-26: Small Business Participants: All vs. Visa Business Card Users, by Company Size, HH Income,Securities Ownership & Business Purchasing Amount, 2014
  • Small business cards
  • Bank relationships
  • Table 4-27: Small Business Credit Card Programs Offered among Top 100 Financial Institutions,by Number of Cards, Number of Bank Programs and Network Brand, 2015
  • Table 4-28: Visa Small Business Credit/Charge Card Cards, by Issuer and Rewards Type, Top Institutions by Assets: 2015
  • Small business tools and resources
  • Visa SavingsEdge
  • VIS Select
  • Visa Payment Controls
  • Visa Small Business
  • Microfinance
  • U.S. small business card growth trends
  • Table 4-29: Visa U.S. Total & Small Business Card Value, 2012-2014
  • Wells Fargo
  • Small business lending powerhouse
  • Loans and lines of credit
  • Table 4-30: Wells Fargo Business Loans and Lines of Credit, 2015
  • Small business cards and related products

Chapter 5: Small Business Lending Trends

  • Loan term and demand trends
  • Small business challenges and choice of funding
  • Microloan trends
  • A look at the top 35 banks by assets and loans outstanding: amount and share analysis
  • CRA, SBA and small business loan trending
  • Survey data
  • Senior Loan Officer Opinion Survey
  • Near-term analysis
  • Longer-term analysis
  • Graph 5-1: Net Percentage of Domestic Banks Tightening Standards: Large/Middle Market and Small Firm C&I Loans & Credit Card Loans, 2005-2014
  • Graph 5-2: Net Percentage of Domestic Banks Reporting Stronger Loan Demand: Large/Middle Market and Small Firm C&I Loans & Credit Card Loans, 2005-2014
  • Survey of Terms of Business Lending
  • Smaller banks = higher interest rates; smaller loans
  • Table 5-1: Commercial & Industrial Loans Made by Large & Small Domestic Banks: Summary Analysis,2014
  • Challenges facing small business
  • Graph 5-3: Top Small Business Challenge, 2014
  • Seeking financing related to small business size
  • Graph 5-4: Percent of Small Businesses Applying for Financing, by Small Business Revenue Size, 2014
  • Choice of funding
  • Graph 5-5: Primary Type of Funding Used by Small Businesses, 2013
  • Choice of financing differs by small business size
  • Graph 5-6: Type of Financing Applied For, by Small Business Revenue Grouping, 2014
  • Low financing approval rates for smallest businesses
  • But smaller banks more likely to approve small business loan application
  • Graph 5-7: Financing Application Rate & Approval Rate, by Small Business Revenue Grouping Lender Type, 2014
  • FDIC-insured commercial bank small business lending trends
  • Introduction
  • Terms to set the stage
  • Banking behemoths continue to grow asset and deposit share
  • Small business microloans decline across the board
  • Table 5-2: Commercial Bank Assets, Deposits, C & I Loans, Small Business Loans, and <$100K Small Business Loans: Share & Dollar Amounts, by Commercial Bank Asset Size, 2010 vs. 2014
  • On a percentage of assets basis, smaller banks remain small business loan leaders
  • But by percentage of assets, all bank segments down
  • Table 5-3: Small Business Loans, Percent of Assets, by Commercial Bank Asset Size, 2010 vs. 2014
  • Small business loan volume in context of bank size: 2014 data analysis
  • Introduction
  • Asset leadership
  • Loans outstanding leadership
  • Small business loan share
  • Microloan share
  • Table 5-4: Top 35 U.S. Banks by Total Assets: Assets, Deposits, Domestic Deposits & Loans Outstanding,2014
  • Table 5-5: Top 35 U.S. Banks by Total Loans Outstanding: Nonfarm Nonresidential Loans & Commercial/Industrial Loans of <$1 Million, 2014
  • Table 5-6: Top 35 U.S. Banks by Total Loans Outstanding: Percent <$1 Million Nonfarm Nonresidential Loans & Commercial/Industrial Loans Under $100K, 2014
  • Community Reinvestment Act small business loan trends
  • CRA loans and loan values remain far below pre-recession levels
  • Post-recession loan value and loan volume rise moderately
  • Table 5-7: Community Reinvestment Act Business Originations & Purchases of Small Loans to Businesses, By Size of Loan, Average Loan Size & Small Business Recipient Share, 2010-2014
  • Small Business Administration Programs
  • Post-recession trends
  • Increased SBA lending
  • Decreased fees
  • Larger loan sizes
  • Increased private lender commitments
  • SBA 7(a) Loan Program
  • $19.2 billion in 7(a) loans
  • Table 5-8: SBA 7(a) and 504 Gross Business Loan Approval, Loan Number & Average Volume, 2014
  • 2009-2014 7(a) loan volume jumps dramatically
  • Table 5-9: SBA 7(a) Gross Business Loan Approval, Loan Number & Average Volume, Startups vs. Existing Businesses, 2009-2014
  • Share of loans to minorities increases; those to women, rural areas and veterans decline
  • 2014 brings loan volume increases to women-owned businesses
  • Table 5-10: SBA 7(a) Gross Business Loan Approval, Loan Number & Average Volume, Minority, Rural, Women, Veterans & Low-Value Loans, 2009-2014
  • Top SBA 7(a) bank lenders
  • Table 5-11: Top 25 U.S. Banks by SBA Loan Volume, Loan Number & Average Loan Size, 2014
  • Volume-to-total loan leaders
  • Table 5-12: Top 25 U.S. Banks by SBA Loan Volume Approved, SBA to Total Loans, Small Business to Total Loans, and <$100K to <$1Million Loans, 2014

Chapter 6: Small Business Credit Card Usage Trends

  • Small business credit card recovery lags consumer recovery
  • Small business cardholder demographics
  • Business versus personal use
  • Business expenses
  • Credit card usage trends among small business employees
  • Table 6-1: Percentage Using Credit Cards, All Adults vs. Small Business Employed, 2014
  • Personal and business credit/charge card use and usage overlap
  • More than 22 million small business card users
  • Business cards complement the wallet
  • But significant usage overlap on both sides
  • Table 6-2: Small Business Participants: Personal Credit/Charge Use & Percent Used for Business; Business Credit/Charge Use & Percent Used for Personal, 2014
  • Table 6-3: Small Business Credit/Charge Use: Personal Cards and Business Cards; Personal
  • Purchases & Business Purchases, by HH Income, 2014
  • Table 6-4: Small Business Credit/Charge Use: Personal Cards and Business Cards; Personal
  • Purchases & Business Purchases, by Company Size, 2014
  • Small business credit/charge card users, by demographic
  • Table 6-5: Small Business Participant Credit Card Users: Percent Using Business/Company
  • Credit/Charge Card, by Demographic, 2014
  • A case for employee cards
  • Table 6-6: Small Business Credit/Charge Cards: Percent Applied for Personally vs. Provided by Employer, 2014
  • Business purchase share of personal card spend
  • Table 6-7: Business Purchase Share of Personal Card Spend, by Cardholder HH Income & Small Business Company Size, 2014
  • Table 6-8: Small Business Credit/Charge Card Use, by Business Expense Category, 2014
  • Credit card usage trends among small business owners, managers & self-employed
  • Personal and business credit/charge card use trends: 2009-2014
  • Table 6-9: Percentage of Small Business Owners, Managers & Self-Employed Having Credit Cards, Branded Credit Cards and Business Credit Cards, 2009 vs. 2014
  • Market remains untapped
  • Table 6-10: Percentage of Small Business Owners, Managers & Self-Employed Having Business Credit Cards, Percent & Population, 2014
  • Personal and business credit/charge card use trends, by brand: 2009-2014
  • Table 6-11: Credit Card Use, Branded Credit Card Use, Branded Credit Card Use Past 30 Days,Credit Card Use Most: Any Card vs. Business Card, by Card Brand, 2010-2014
  • Card brand preferences among small business participants
  • Table 6-12: Credit Card Use, Branded Credit Card Use, Branded Credit Card Use Past 30 Days,Credit Card Use Most: Any Card vs. Business Card, by Small Business Participant Category, 2014
  • Demographic profile: Small business credit card users, by card brand
  • Small business owner/managers
  • Table 6-13: Small Business Owner/Manager Credit Card Use and Business Credit Card Use, by Card Brand: by HH Income and Securities Owned, 2014
  • Small business self-employed
  • Table 6-14: Small Business Self-Employed Credit Card Use and Business Credit Card Use, by Card Brand: by HH Income and Securities Owned, 2014
  • Small business participants: card users and non-users
  • Table 6-15: Small Business Card Non-Users & Users, by Type of Card, by Type of Card: Company Size, HH Income, Securities Ownership & Business Purchasing Amount, 2014
  • Table 6-16: Small Business Card Non-Users & Users, by Type of Card: Company Size, HH Income, Securities Ownership & Business Purchasing Amount, Indexed Use, 2014
  • Small business participant financial services attitudes by card presence and brand used
  • Table 6-17: Financial Services Attitudes: Small Business Card Non-Users & Users, by Type of Card, 2014
  • Table 6-18: Financial Services Attitudes: Small Business Card Non-Users & Users, by Type of Card, Indexed Agreement, 2014

Appendix

  • Methodology
  • Consumer survey methodology
  • Market size and forecast
  • Purchase value
  • Small business purchase value
  • Value not included
  • Other
  • Sources
  • Report table interpretation
  • Color coding
  • Indexing
  • Terms and definitions
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