PayNet tracks serious credit issues like defaults, collections, and major delinquencies. These negative marks have a significant effect on your score.

Your business doesn’t operate in a vacuum. PayNet benchmarks your performance against others in your industry to help lenders assess relative risk.

Over the years, I’ve seen credit reporting in the commercial lending world grow more complex and confusing for business owners. By diving into specific areas of each credit eport my hope is I can bring some clarity and actionable items to help business owners acquire business loans with more confidence and less uncertainty.

Trade credit history plays a vital role in how lenders view your business's financial behavior. In your PayNet report, this section outlines how reliably you pay back vendors and suppliers who extend credit terms.