PayNet, part of Equifax, focuses on commercial credit for small and mid-sized businesses, aggregating loan-level payment histories and performance data contributed by a broad lender network. Paired with Equifax's consumer and business assets, it gives a fuller view of SME credit risk for underwriting, portfolio monitoring, and compliance.

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.