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PayNet Small Business Lending Index (SBLI)
SBLI

The Small Business Lending Index (SBLI) measures the volume of new commercial loans and leases to small businesses indexed so that January 2005 equals 100.

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

The PayNet Small Business Lending Index (PayNet SBLI) is segmented into 988 indices at the national, state, and industry levels which are formulated on a rolling 12-month basis due to the volatility of smaller sample sizes.

  • US Rolling-12=PayNet SBLI at the national level
  • US NAICS xx Rolling-12=PayNet SBLI for the xx NAICS industry (for example Agriculture) at the national level
  • ss Rolling-12=PayNet SBLI for the state of SS (for example NY)
  • ss NAICS xx Rolling-12=PayNet SBLI for the xx NAICS industry within the state of ss
As of Jun-2016 with YoY Change.
Where: Jan 2006 = 100
PayNet Small Business Delinquency Index (SBDI)
SBDI

The Small Business Delinquency Index (SBDI) measures the percentage of loans to small businesses that are more than 30 days past due but less than 91 days past due.

The Thomson Reuters/PayNet Small Business Lending Index reflects delinquencies at the national level.

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

As of Jun-2016 with YoY Change.
PayNet Small Business Default Index (SBDFI)
SBDFI

The Small Business Default Index (SBDFI) measures the percent of loans and leases to small businesses that have defaulted in the past 12 months. Registered users can drill down to 988 indices segmented by the 18 major NAICS for the US and 50 states plus D.C.

PayNet SBDFI offers an advanced look at banking and financial distress conditions up to three months before the release of traditional FDIC measures, giving valuable early insights into market conditions for financial services executives, economists, policy makers and regulators.

As of Jun-2016 with YoY Change.
PayNet AbsolutePD Outlook®
Outlook

The PayNet AbsolutePD Outlook forecasts the commercial loan default rate for businesses across the US. These forecasts are recalibrated each quarter based on the current macro-economic statistics.

  • “Current” — the default rate forecast for the end of the next four quarters
  • “Change” — difference from the prior quarter forecast
12 month Forecast as of 04/01/2016 with QoQ Change
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PayNet Small Business Cycle™
The PayNet Small Business Cycle financial information measures small business commercial lending originations versus delinquencies. The information is formulated on a quarterly basis at the national level.
Analysis of current PayNet Small Business Cycle™ Financial Information:
Small businesses sharply curtailed investments to build more, invent new products, or to make their plants or operations more efficient. Investment and credit risk found a bottom in the 1st quarter. While the plunge in Q4 was unwelcome, at least we can say that it is not continuing. Learn more in the PayNet Small Business Credit Outlook Report.
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How is the PayNet Small Business Cycle™ financial information helpful?
The PayNet Small Business Cycle™ financial information provides insight into general conditions of and signals inflection points in the economy, as it relies on leading economic indicators that have been developed using the PayNet database which is focused exclusively on small businesses. Specifically, the PayNet Small Business Cycle financial information represents a comparison of new small business credit, measured by the Thomson Reuters/PayNet Small Business Lending Index, against severe credit risk, measured by the Thomson Reuters/PayNet Small Business Delinquency Index, to generate a distinctive perspective on the stage of the economy.

Values of the PayNet Small Business Cycle financial information higher and further to the right occur in a robust economy and changes down and to the left reflect lower investment and worsening financial health during economic contraction. Values of the PayNet Small Business Cycle financial information lower and to the left will occur during recessions and changes up and to the right reflect increased investment and improved financial health during economic recovery.

PayNet Risk Insight Suite
NATIONAL CREDIT CONDITIONS
 
Current
 
Change
SBLI1
SBLI

The Thomson Reuters/PayNet Small Business Lending Index (SBLI) measures the volume of new commercial loans and leases to small businesses.

  • “Current” — a seasonally adjusted index (January 2005=100) for the most recently reported month
  • “Change” — based on same-month one-year-prior; a higher number indicates increased lending activity
138.9
5.2%
SBDI1
SBDI

The Thomson Reuters/PayNet Small Business Delinquency Index (SBDI) measures the percentage of loans to small businesses that are more than 30 days past due, but less than 91 days past due. Financial institutions consider SBDI an invaluable tool for business planning and operations to provide a more in-depth understanding of financial stress and early warning of future insolvency.

  • “Current” — the delinquency rate of small businesses for the most recently reported month, calculated as an index and seasonally adjusted
  • “Change” — based on same-month one-year-prior; a higher number indicates greater financial stress
1.27%
5 bps
SBDFI1
SBDFI

The PayNet Small Business Default Index (SBDFI) measures the percent of loans and leases to small businesses that have defaulted in the past 12 months. Registered users can drill down to 988 indices segmented by the 18 major NAICS for the US and 50 states plus D.C.

PayNet SBDFI offers an advanced look at banking and financial distress conditions up to three months before the release of traditional FDIC measures, giving valuable early insights into market conditions for financial services executives, economists, policy makers and regulators.

1.69%
19 bps
Outlook2
Outlook

The PayNet AbsolutePD Outlook forecasts the commercial loan default rate for businesses across the US. These forecasts are recalibrated each quarter based on the current macro-economic statistics.

  • “Current” — the default rate forecast for the end of the next four quarters
  • “Change” — difference from the prior quarter forecast
2.16%
16 bps
1As of Jun-2016 with YoY Change.
212 month Forecast as of 04/01/2016 with QoQ Change