Registered User Benefits
  • Compare SBLI trends by state and industry
  • Compare SBDI trends by state and industry
  • Loan default forecasts
  • Download national historical data
  • Monthly commercial credit conditions reports
  • Export customizable charts and graphs
  • Quarterly Small Business Credit Outlook
  • Completely free
Subscriber
  • Everything a registered user has & more
  • Analyze SBLI data by state and industry
  • Analyze SBDI data by state and industry
  • Default forecasts by county
  • Download state and industry commercial credit reports
  • Extensive monthly & quarterly reporting
Want to know more
about PayNet?
Call 866.825.3400

Registered User Benefits In-Depth

View and compare national and state credit information

Overall national and state small business credit conditions, including lending activity, loan performance and more. Download national historical SBLI and SBDI data. Paid subscribers get access to lending activity and loan performance by state and industry.

Access Loan Default forecast with paynet AbsolutePD®

View 12-month forecasts by state.

Paid subscribers get access to state, industry and county level  and broader insights that will help with CECL compliance.

Obtain monthly analysis reports from PayNet

Downloadable lending activity (SBLI) and loan performance (SBDI) reports.

Generate customizable graphs and charts

PayNet's customizable charting software allows for exporting illustrative charts and graphs that can be used in your reports and presentations.

Gain unique insights into the small business economy

Our Risk Insight Suite® provides invaluable information and resources that help you make profitable decisions. RIS provides intelligence that you can't find anywhere else, including white papers and the quarterly Small Business Credit Outlook.

No payment required

Registered users gain free access and are only required to provide a name and email to get started.

Subscriber Benefits In-Depth

Want even more? Become a Subscriber

Get everything a registered user gets plus downloadable reports of SBLI and SBDI by state and industry as well as default forecasts by county, state and industry from AbsolutePD Outlook®. Also includes extensive monthly reports that can help inform your decision making. Learn More >


Contact us now to find out more about becoming a subscriber. 866.825.3400

 

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
132.0
2.4%
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
1.43%
8 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.

1.81%
4 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
2.30%
19 bps
1As of Sep-2018 with YoY Change.
212 month Forecast as of 07/01/2018 with QoQ Change