Lending Climate in America

The Phoenix Management “Lending Climate in America” Survey is conducted quarterly to gauge shifts in lenders’ attitudes toward the economy. Lenders from various commercial banks, commercial finance companies and factors across the country are surveyed each quarter. Participants complete a questionnaire and the results are collected, tabulated, and analyzed by Phoenix Management Services.

Among the topics that are tracked are the following:

• The Economy
• Expected Rate Moves by The Fed
• Customers’ Growth Expectations
• “Most Desirable” Industries
• “Least Desirable” Industries
• Their Institutions’ Plans for Loan Structure and Interest Rate Spread
• Competition Among Lending Institutions