Breakout C: Equifax: Highlighting a Blindspot: Commercial Credit: Leveraging AI to Decode SBB Growth Profile

For many small business owners, increasing debt isn\'t a red flag—it’s a signal of healthy growth. Yet, traditional models often misinterpret this high utilization as risk, over-penalizing entrepreneurs at the high end of the credit spectrum. Equifax research reveals that business owners carry more than double the balances of average consumers, necessitating a fundamental shift in adjudication. This session explores a new AI-driven Principal Business Owner (PBO) score that segments entrepreneurs from general consumers