Trifecta Business Group Launches the Economic Roll-Up Index™ (ERI™) to Show How Consumer Credit Stress Reaches Main Street

GLEN ALLEN, VA, October 15, 2026 — Trifecta Business Group, a commercial loan brokerage and business consulting firm, today launched the Economic Roll-Up Index™ (ERI™), a free online gauge that shows how stress in household budgets and bank lending can roll up into small business cash flow.

The ERI™ combines eight published economic readings from the Federal Reserve Bank of St. Louis (FRED), including credit card and consumer loan delinquency, mortgage delinquency, the personal savings rate, bank lending standards, the prime rate, business loan delinquency and unemployment. Each reading is scored on a fixed, published range and weighted into three branches: household strain, credit access and business stress. The result is one 0–100 reading with a color band.

Every indicator shows its source, its as-of date, its trend versus a year ago, and two historical anchors: a ten-year average and its crisis-era extreme. Owners can switch between a consumer-facing view and a business-to-business view to see how pressure usually reaches each type of company, and use a built-in runway calculator to test how a dip in revenue or slower customer payments would affect their own cash.

"Lenders read the last few months of bank statements, so by the time pressure shows up there, options can narrow," said a spokesperson for Trifecta Business Group. "We built the ERI™ so owners can see conditions early and make a calm decision. Sometimes that means exploring a line of credit while statements are strong. Sometimes it means waiting. The index is meant to inform that choice, not rush it."

The ERI™ is educational. It does not predict the economy, make credit decisions, or promise approval, rates or timing. The underlying economic figures are public data from the Federal Reserve; the index's model, weightings and presentation are original work of Trifecta Business Group.

The Economic Roll-Up Index™ is available at trifectabusinessgroup.com/small-business-capital-index.

About Trifecta Business Group

Trifecta Business Group is a commercial loan brokerage based in Glen Allen, Virginia, serving eligible businesses across the U.S. and Canada. One advisor matches each file to one lending desk at a time, and client information is never sold or auctioned. The firm helps owners compare working capital, business lines of credit, equipment financing, SBA, invoice factoring and commercial real estate options, and also offers business consulting. Commercial financing only. Learn more at trifectabusinessgroup.com.

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