A major challenge for commercial lenders is making better and faster credit decisions that can positively impact their bottom-line profitability. Lenders often impose overly protective cut-off and approval thresholds or create time consuming manual review processes and rules. The key to conquering this challenge is implementing a predictive automated credit scoring model.

Product Sheet

Details

PayNet MasterScore is developed from the largest pool of term debt leases and loans ever compiled to predict 90+ Days Past Due (DPD) on a 3 digit scale. The PayNet MasterScore contains a total of 154 variables with 57 unique variables. These variables are filtered through 9 separate score cards – Transportation, Construction, Agriculture, Healthcare, and Retailer industries, as well as small and large ticket transactions – each built to consider repayment determinants unique to specific industries. It is an ideal score for lenders servicing multiple industries who need a single best-in-class model.

Uniquely Models 57 Crucial Drivers that Most Impact Payback Performance into One Highly-Predictive Decisioning Score

Key Benefits

PayNet MasterScore's powerful ability to predict borrowers' risk translates into a 25% increase in predictive lift compared to scores built with trade credit data, allowing lenders to automate and improve their credit decisions. On average, PayNet MasterScore enables a 27% reduction in defaults without reducing originations, or, enables a 15% increase in approvals and bookings without increasing defaults.

The greater predictive power of PayNet MasterScore translates into financial benefits for your organization as this value comparison illustrates.

Solutions

PayNet MasterScore Solutions

The Challenge

Our Solution
  • Approve more good deals while controlling risk levels
  • Comprehensive – Pinpoints in-depth borrower data from PayNet's proprietary database
  • Lower credit losses by rejecting more bad deals
  • Focused – Includes specialized scorecards for major industry segments such as Transportation, Construction, Agriculture, Healthcare, and Retail
  • Expand into new industry segments and operate in stressed segments with higher confidence
  • Time-tested – Built with data from a full economic cycle
  • Reduce operating costs and accelerate decisions with automated online scoring
  • Definitive – Combines traditional credit expertise with cutting-edge modeling of the complex drivers that most impact the payback performance of term loans – signicantly outperforms scores based on trade credit
  • Improve profit margins with more accurate risk-based pricing
  • On average, PayNet MasterScore enables a 27% reduction in defaults without reducing originations, or, enables a 15% increase in approvals and bookings without increasing defaults.