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 (CHR)
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 AbsolutePD® Stress Test Simulator provides users with an effective, streamlined approach to complying with Federal Reserve Bank Comprehensive Capital Analysis and Reserve Requirements, resulting in lower operating costs and reduced managerial hours spent to fulfill compliance requirements.
PayNet MasterScore® v2 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.
Custom Score Variables v2 enhances the performance of your custom scoring model as it provides access to attributes that are proven to provide predictive lift across a wide variety of lenders and industry segments. Utilizing PayNet’s extensive experience building credit scoring models, Custom Score Variables v2 provides valuable components to help you build models with powerful predictive capabilities.
PayNet Advanced Score of Scores (PASS) enables lenders to improve efficiency and decision strategies with a single, blended score. This empirically derived statistically sound score is ideal for lenders that may lack resources, time or sufficient historic data to build a statistical model.
Absolute Expected Loss enables lenders to derive Probability of Default, Exposure at Default, and Loss Given Default values to calculate Expected Loss and to determine prudent and defensible reserves for losses.
PayNet Portfolio Risk Manager® is a data-driven risk monitoring tool that significantly improves your risk monitoring abilities by adding a global view that can help you better monitor, detect and prioritize loans in your portfolio that have added risk.
The Small Business Lending Index (SBLI) measure the volume of small business loans issued over the past 30 days and are based on the most recent data from the largest commercial and industrial lenders in PayNet's U.S. database, including both loans and leases.
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.
The Small Business Default Index (SBDFI) measure the percentage of loans and leases to small businesses that have defaulted based on the largest commercial and industrial lenders in PayNet's U.S. database.
PayNet's Strategic Business Review (SBR) is a service that provides an in-depth, customizable and comprehensive benchmarking of a lender's loan/lease portfolio versus a comparable peer group for one or several strategic business segments.
With the PayNet Financial Statement Report™, a single click saves you hours of time, pulling the financial statement data you need from a wide variety of accounting platforms and give you a complete picture of risk before making a decision.
There’s no question a recession is coming, sooner or later. Now is the time for you to be proactive and invest in the resources and technologies that will bolster your organization against the potential effects of a recession.
BusinessConnect™ is a technology-driven solution that helps simplify, streamline and accelerate credit management processes by automating routine manual tasks and decisions, and centralizing many operations under one interactive, cloud-based platform within Salesforce.
Introducing Commercial Real Estate Tenant Health, a solution that provides detailed credit health data for a building’s tenant base, allowing for easy identification of high-risk tenants that warrant further risk review.
Data live in all corners of your business. You need the ability to unify and harmonize data across your organization to integrate records through a unique identifier applied in real time. With B2bConnect™, get the information you need in minutes versus weeks so you can make better decisions faster.