PayNet
by
Equifax
Credit History Report and Master Score assessing the borrowing and repayment history of a business.
About the Provider
Founded in 1899 in Atlanta, Georgia, Equifax is a global data, analytics, and technology company focused on consumer credit. As one of the world's largest credit reporting agencies, Equifax maintains extensive credit databases and supporting technology platforms that underpin lending, insurance, employment screening, identity verification, and other risk-management decisions worldwide.
Solutions
Address Verification
Business Credit
KYB
About the Product
Equifax's PayNet product analyzes small and medium-sized businesses' (SMBs) credit performance using detailed payment history and financial data. It employs advanced data analytics and risk assessment models to provide insights into creditworthiness and payment behavior. Key technical features include historical data aggregation, industry benchmarks, and real-time risk scoring. The product integrates with existing credit assessment systems via APIs, enabling informed lending decisions and effective risk management for SMBs.
Product Insights in Grid
GRID-PAYNET-CHR-NAME-MATCH
Whether the Business name matches exactly
GRID-PAYNET-CHR-MSV2-SCORE-PROBABILITY
The probability, based on the PayNet Master Score, that an obligation will become 90 or more days past due, or that a similar major negative event will occur (such as bankruptcy, litigation or repossession).
GRID-PAYNET-CHR-CUR-BAL-AMT
Total outstanding balance across all contracts
GRID-PAYNET-CHR-ORIG-RECEIVABLE-AMT
Gross original receivable for this member
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-0130-NEVER
Indicates whether obligor has never been 01-30 days past due
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