The Database

Term debt data on small businesses is critical to commercial lending decisions.

PayNet provides an unmatched breadth and depth of term debt information to help small business lenders make consistently better informed decisions. Here are some statistics regarding PayNet:

Key Business Metrics:

  • According to Federal Reserve estimates, bank installment loans exceed $1.3 trillion (as of November 2011).
  • Total business loans and leases owned and securitized by Finance companies exceed $463 billion (as of October 2011).
  • Eight of the top 10 U.S. equipment finance companies are now active PayNet members.

Key Database Metrics (as of January 2012):

  • Database contains more than 19.4 million term debt contracts.
  • Average number of months of history per lender is 93.
  • Database contains more than $958 billion in financial obligations.
  • Average transaction size per contract is $49,251.
  • Average term per contract is 3.6 years.
  • Average monthly payment per contract is $1,145.
  • For a sample of our membership, please contact Membership@paynetonline.com or call (866)825-3400.