Any acceleration in loan defaults by business may be concentrated in city centres and urban areas, a study by accounting firm SVP Partners suggests.SVP's August Commercial Risk Outlook report rattles through some stark observations.First off, in its covering media release, SVP asserts that: -    "Four of Australia's big construction industry players are heading towards financial collapse over the next 12 months;"-    "Seven of Australia's major Australian retailers are facing extreme risk of financial collapse over the next 12 months (including a large clothing retailer, two computer retail giants, one big supermarket/grocery store and a large newspaper/book retailer);"-    "More than 2600 additional construction businesses and more than 1200 retailers are in the same dire situation;" and-    "17,681 businesses nationwide are at high risk of financial failure over the next 12 months."SVP's study draws on inquiry data sourced from credit bureaus."The commercial risk rating behavioural scorecard for each commercial entity is based on a range of bureau data from the previous five years, taking into consideration mercantile enquiries, financial default and trading payment history (within the previous two years)," SVP explained."Throughout this report, the highest risk category is considered to be detrimental to the life expectancy of a business. A business that is in the highest risk category is extremely likely to undergo a serious adverse event within the next 12 months of trading such as entering into administration, petition to wind up, court judgement, court writ, payment default, or mercantile enquiry," it said.The "top five areas where businesses are most at risk of default within the next 12 months, according to number of businesses," are listed as "Melbourne Inner", "Sydney Inner South West", "Sydney City and Inner South", Gold Coast and Parramatta.