PayNet offers products and solutions that help every function across the commercial lending spectrum reduce risk, cut costs, and enhance growth. We're happy to discuss which products fit your business scenario best.
PayNet Credit History Report
The PayNet Credit History Report (CHR) provides more robust small-business credit data while reducing costs and increasing efficiency. Helping facilitate a thorough review of the borrower's credit quality during the application review process, the PayNet Credit History Report provides borrower profiles summarized in multiple ways.
Credit Review Express streamlines the credit review process and facilitates customized workflows based on each account’s level of risk. Using your business rules, Credit Review Express classifies accounts into risk categories to assign the level and frequency of review.
PayNet AbsolutePD produces statistical estimates of Probabilities of Default (PD) for each business borrower in a lender’s portfolio – up to eight quarters ahead. This is done by combining current macroeconomic information with payment histories from PayNet's comprehensive proprietary database of term debt contracts.
PayNet MasterScore® allows lenders to automate and improve their credit decisions while providing predictive abilities that are superior to trade credit data. It’s an ideal solution for lenders servicing multiple industries.
The PayNet Canadian Business Lending Index (CBLI) measure the volume of new commercial loans and leases to small sized businesses, indexed so that January 2005 equals 100. The indices are based on activity over the past 30 days as reported by lenders into the PayNet database.
CFLA/PayNet Canadian Equipment Lending Index (CELI)
The CFLA/PayNet Canadian Equipment Lending Index (CELI) measures the volume of new commercial loans and leases to small and medium-sized businesses, indexed so that January 2005 equals 100, based on activity over the past 30 days as reported by lenders into the PayNet database.
The PayNet Canadian Small Business Delinquency Index (CSBDI) is designed to gauge small business financial stress and default risk, providing early warning signals of future insolvency across multiple sectors of the economy.
CFLA/PayNet Canadian Equipment Delinquency Index (CEDI)
The CFLA/PayNet Canadian Equipment Delinquency Index (CEDI) is designed to gauge financial stress and default risk of small and medium sized businesses, providing early warning signals of future insolvency.