credit
PayNet
PayNet (now part of Equifax) is a commercial credit bureau focused on small-business loan and equipment lease repayment data.
Last updated Reviewed by ICG Funding
Definition
What it means.
PayNet’s MasterScore uses loan-level data from participating lenders to predict default probability. Because its data is loan-repayment specific, not general trade payment history, it is widely used by SBA and equipment finance underwriters.
If you have previously taken a business loan or equipment lease, there is a strong chance your performance is reported to PayNet. A clean PayNet history meaningfully accelerates future approvals.
Now what?
Get an offer that accounts for paynet.
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