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Paynet small business lending index

Small business indices

Small indices overview screenshot

The Thomson Reuters/PayNet Small Business Lending Index serves as a leading indicator of the economy

The Thomson Reuters/PayNet Small Business Lending Index uses market insights from the commercial credit industry to better understand economic performance.

About small business indices

Small businesses generally respond to changes in economic conditions more rapidly than larger businesses do.

The Thomson Reuters/PayNet indices tap small business lending and delinquency data from PayNet Inc, the leading provider of risk management tools and market insight to the US commercial credit industry.

Thomson Reuters/PayNet indices shed light on the health of the important and often opaque small business sector of the economy with loan information from more than 352 leading US lenders.

The Thomson Reuters/PayNet Small Business Lending Index (SBLI) measures the volume of new commercial loans and leases to small businesses. The Thomson Reuters/PayNet Small Business Delinquency Index (SBDI) is a complementary offering which is designed to gauge small business financial stress and default risk, providing early warning signals of future insolvency across multiple sectors of the economy.

How it works

Index details 

The SBLI and SBDI indices both measure the net volume of loans to small businesses with key differences outlined below.

Small Business Delinquency Index (SBDI)

Similar to the Small Business Lending Index but also measures small business financial stress and default risk and provides early warnings of future insolvency.

Serves as a leading indicator of changes in unemployment rates on both the national level and for some US states.

Provides insight to financial services executives, economists, policy makers, and regulators in order to understand the stage of the business cycle and to set credit oversight policies.

Index Access Codes

  • TR/PayNet Small Business Delinquency Index - National 31-90 Days Past Due: .TRPSBDI1
  • TR/PayNet Small Business Delinquency Index - National 91-180 Days Past Due: .TRPSBDI2