Small Business Delinquency Index (SBDI)

The Small Business Delinquency Index (SBDI) measure the percentage of loans that are 31-90, 91-180, and 31-180 days delinquent based on the largest commercial and industrial lenders in PayNet's U.S. database, including both loans and leases. 

BENEFITS TO USERS

  • Reliable predictor of small business financial stress
  • Statistically valid indicator of unemployment changes
  • Advanced signal of business cycle inflection points


About SBDI

The SBDI are designed to gauge small business financial stress and default risk at the national and state levels, including industry segmentation. The SBDI provides insight to financial services executives, economists, policy makers and regulators in order to understand the stage of the business cycle and to set credit oversight policies.

The index is calculated and published monthly as follows:

  • PRELIMINARY —current month data reflecting most recent small business delinquency performance released
  • REVISED — data for the month preceding Preliminary release
  • FINAL — data for the month preceding Revised release

Including the PayNet Small Business Delinquency Index and the Thomson Reuters/PayNet Small Business Delinquency Index, there are 365 indices.

To learn about the methodology and predictive qualities of the SBDI, please read our White Papers.

Download Thomson Reuters/PayNet SBDI - White Paper

Download PayNet SBDI - White Paper

 

The Thomson Reuters/PayNet Small Business Delinquency Index is formulated on a monthly basis at the national level.

 

 
 

Download the most recent Thomson reuters/PayNet SBDI 
Download Thomson Reuters/PayNet SBDI historical data (XLS) 

Download Thomson Reuters/PayNet SBDI Fact Sheet

The PayNet Small Business Delinquency Index (PayNet SBDI) is segmented into 364 indices at the national, state and industry levels.

 

To track the SBDI on an ongoing basis, we encourage you to regularly visit the PayNet Risk Insight Suite®. (Initial registration is required to create customized charts as illustrated above.)

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Thomson Reuters/PayNet Small Business Delinquency Index (SBDI) is particularly useful for five functions of the lending process.