Despite Rate Cuts and Business Optimism, Credit Challenges Persist for Small Businesses

Equifax Canada Market Pulse — Q3 2025 Quarterly Business Credit Trends Release

TORONTO, Dec. 02, 2025 (GLOBE NEWSWIRE) -- Canada’s economy is showing clear signs of stabilization, buoyed by easing inflation and strategic interest rate cuts. This improving environment has sparked a wave of business confidence and investment, evidenced by a rebound in new credit activity. Despite headwinds like the August trade deficit, businesses are leveraging this newfound stability to grow: average business debt rose 19.6 per cent year-over-year to $30,855, driven largely by an 83 per cent surge in balances for newly established firms. This willingness to take on capital — particularly the 26 per cent jump in industrial trade originations — suggests that new ventures are positioning themselves for future growth.

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