Real-time access to small business credit data with superior quality, depth and robustness assures that commercial lenders consistently make better credit granting and portfolio management decisions. PayNet has created a unique and proprietary central database from the richest and largest collection of small business data gathered from one or more repositories consisting of term debt, trade and line of credit data. Data is uploaded monthly from a broad base of member companies, cleansed and aggregated for analysis, scoring and credit reporting.

 

Data Integrity

  • Informed decisions can only be made when the information provided to the decision maker is accurate, consistent and timely. PayNet recognizes the critical nature of data integrity and is constantly striving to ensure high quality of the data we receive and publish. All incoming data passes through our Quality Assurance process before it can be included in the production database.

Data Quality

  • PayNet has created a closed give-to-get network focused on delivering commercial credit and risk management solutions to our membership. PayNet has well-defined procedures for data acquisition, verification and access. This ensures that data provided to member lenders is accurate, consistent, timely, complete and accessible.

The Data and Database

  • PayNet collects real-time loan information from more than 250 leading U.S. lenders. The company's proprietary database, updated weekly, is the richest and largest collection of commercial loans and leases.

Value of Term Debt Data

  • PayNet provides state-of-the-art information tools and relevant information to improve the underwriting and management of small-business loans/leases. PayNet creates information tools from its proprietary database of small-business loan/lease performance. Unlike traditional data sources, PayNet's database of historic term-debt is a more reliable indicator of a borrower's payback performance.