About PayNet

PayNet, a division of Equifax, specializes in delivering commercial credit information focused primarily on small and mid-sized enterprises (SMEs). It aggregates real-time payment histories and loan performance data from a broad network of lenders, offering a unique view into how businesses manage debt. By combining PayNet’s rich data with Equifax’s consumer and business credit assets, financial institutions gain a more complete picture of credit risk, enabling smarter lending decisions and improved risk management. PayNet is widely used by banks, alternative lenders, and fintechs for underwriting, portfolio monitoring, and compliance purposes.

Key Features and Benefits of PayNet from Equifax:

• Comprehensive Commercial Credit Data
  Access to loan-level performance data on millions of small and mid-sized businesses across the U.S.

• Real-Time Loan Performance Insight
  Delivers up-to-date information on business payment behavior, defaults, and trends in credit utilization.

• Predictive Risk Scores
  Offers proprietary scoring models like the PayNet MasterScore® to predict business loan delinquency and default risk.

• Benchmarking Tools
  Allows lenders to compare their portfolio risk and performance against industry benchmarks.

• Integrated with Equifax Data
  Combines business and personal credit data for a more holistic view of a business owner's creditworthiness.

• Used for Multiple Credit Lifecycle Stages
  Supports underwriting, loan pricing, monitoring, and collections with consistent data throughout the lending process.

• Trusted by Financial Institutions and Fintechs
  Utilized by traditional banks, non-bank lenders, and fintech platforms to improve credit decisioning accuracy and reduce risk.

For more information, please visit: www.equifax.com/business/data-assets/commercial-data

Contact @ Equifax

Tim Cooke, Commercial Solutions Director | Email: tim.cooke@equifax.com