How Payment Trends Affect Your PayNet Credit Profile

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 report my hope is I can bring some clarity and actionable items to help business owners acquire business loans with more confidence and less uncertainty.

   Payment trends offer insight into your business's financial behavior over time. Your PayNet credit report tracks whether your payments are improving, staying consistent, or declining.

  Much like personal credit, the easiest way to attain and keep a good score is through meaningful monitoring. Inaccurate information on your Paynet report can be one of the most frustrating business loan underwriting factors.

What Lenders Look For:

• Recent payment performance: Are you currently paying on time?

• Payment trend direction: A positive trend boosts confidence; a negative trend raises concerns.

• Days beyond terms (DBT): This measures how late payments are, on average.

• Comparable Debt: Do you have an existing loan of a similar size (usually at least 75% of the requested amount) that you have paid on for at least 12 months?

Other Information in Your Report:

• Tax Liens: Federal, state, and local tax liens.

• Judgements: Any filed, pending, or closed cases.

• UCC information: Along with pertinent information.

• Bankruptcies: Showing the date, type, and business information.

• Specific Names: These can be trade names, DBA's, ficitious names, etc.

Why It Matters:

Even if you've made late payments in the past, improving trends can help rebuild trust. Lenders prefer borrowers showing consistent or improving payment behavior over time.

  If you would like to learn more, or see how to get a copy of your Paynet credit report you can learn more in our previous post here

Want help analyzing your business’s payment trends? You can get a copy of your Paynet report here

Schedule a consultation with Brilliance Funding — we’ll show you how to strengthen your profile and financing potential.

About the Author

   Jared Holmes is the founder of Brilliance Funding Partners, where he helps business owners navigate the commercial lending landscape with confidence. With 9 years of hands-on experience in SBA lending, equipment financing, and working capital solutions, Jared focuses on asking the right questions and delivering financing strategies that make sense for each business. Connect with Jared for a personalized conversation about your options.