PayNet, Inc. NEFA Funding Symposium Small Business Market Trends October 8, Taking the Risk Out of Small Business Lending PayNet Inc.
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1 PayNet, Inc. Taking the Risk Out of Small Business Lending NEFA Funding Symposium Small Business Market Trends October 8,
2 The PayNet Real-Time Database The largest database of small business loans, leases & lines of credit Collecting lease/loan info from 350+ lenders > $1.4 trillion in commercial debt originations > 23 million loans/lease/loc contracts 200+ unique data points driving performance Average Term 3-4 Years Services Manufacturing Agriculture Finance Average Transaction Size $50-60k Retail Trade Construction Public Administration Transportation Wholesale Trade Mining 2
3 Our Indices Quick, up to date, ability to benchmark your portfolio against national lending and performance trends Can be segmented by state and industry, as well as the intersection of state and industry Small Business lending focus Basic indices are free after registration; separate subscription level provides full access to all data points Register for PayNet s Risk Insight Suite: SBInsights.PayNetOnline.com 3
4 Our Indices Thomson Reuters/PayNet Small Business Lending Index (SBLI) Thomson Reuters/PayNet Small Business Delinquency Index (SBDI) PayNet Small Business Default Index (SBDFI) PayNet AbsolutePD Outlook 4
5 Thompson Reuters/PayNet SBLI vs SBDI Days Past Due 2005 to
6 Thomson Reuters/PayNet SBLI (3 Month Rolling Avg.) 2005 to 2016 August
7 Thomson Reuters/PayNet SBLI Percent Change vs. Year Prior (3-Month Rolling) 2006 to 2016 August
8 Thomson Reuters/PayNet SBLI (incl. Transportation) 2005 to 2016 August
9 Strongest Small Business Industries in Terms of New Originations 2007 to 2016 Source: PayNet SBinsights.com 9
10 Weakest Small Business Industries in Terms of New Originations Source: PayNet SBinsights.com 10
11 Thomson Reuters/PayNet SBLI August
12 Thomson Reuters/PayNet Small Business Delinquency Index to 2016 August Days \Past Due 12
13 Thomson Reuters/PayNet SBDI 31 - Percent Change from Year Prior 2006 to 2016 August Days Past Due 13
14 Thomson Reuters/PayNet SBDI (Delinquency Index) 2005 to 2016 August Days Past Due 14
15 Thomson Reuters/PayNet SBDI for Transportation 2006 to 2016 August Days Past Due 15
16 Thomson Reuters/PayNet SBDI (Delinquency Index) August Days Past Due 16
17 Thomson Reuters/PayNet SBDI for Construction 2006 to 2016 August Days Past Due 17
18 Thomson Reuters/PayNet SBDI by Industry (Delinquency Index) 2005 to 2016 August Days Past Due 18
19 Small Business Default Index by Industry: Source: PayNet SBinsights.com 19
20 PayNet SBDFI (Annualized Default Index) 2005 to 2016 August
21 PayNet SBDFI (Default Index) 2006 to 2016 August 2016 % Change vs. Year Prior 21
22 Historical & AbsolutePD Forecasted Default Rates 2006 to
23 Borrower Level Projected Default Rates by County in 2014 Source: PayNet SBinsights.com 23
24 Borrower Level Projected Default Rates by County in 2016 Source: PayNet SBinsights.com 24
25 Panel Questions: Small Business Market Trends 1. What is the biggest difference between today and pre-recession in the way you approach underwriting? 2. How do you see the competitive landscape in Small Business Lending today compared with pre-recession? 3. How have credit standards evolved since the Great Recession? How do they compare with pre-recession? 4. How has the use of Data and Analytics changed the way your institution underwrites small ticket transactions? 5. How has the greater use of auto-scoring and auto-decisions impacted the importance of relationship lending? Source: PayNet SBinsights.com 25
26 Panel Questions: Small Business Market Trends 6. What are the greatest benefits to brokers and vendors from the increased use of auto-scoring? 7. How is your institution using Data and Analytics to manage the risk in its existing portfolio? New business? 8. What recommendations would you give to brokers and vendors when it comes to using Data and Analytics? 9. How s the competitive landscape changing between Equipment Finance, Alternative Lending & Banking? 10. How different do you expect Small Business Lending to be five years from now? What about ten years? 11. Open to questions from the audience? Source: PayNet SBinsights.com 26
27 Contact Information PayNet, Inc. Erik S. Cook 5750 Old Orchard Road, Suite 250 Skokie, IL Primary: (847) Fax: (847)
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