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makeHomepageLink.setHomePage('https://web.archive.org/web/20091203185115/http://www.reuters.com'); } if (is_ie) { document.getElementById("makeHomepageLink").className = "TsubnavOff"; } </script> </span> </div><div class="content">  <div class="contentBand"> <div class="article primaryContent"> <h1>Exclusive: U.S. small business loans in arrears down: PayNet</h1> <div class="timestampHeader">Tue Dec 1, 2009 9:47am EST</div><div id="headerTools"> </div> <script language="javascript"> var storyKeywords = "US ECONOMY PAYNET"; var RTR_ArticleTitle = "Exclusive: U.S. small business loans in arrears down: PayNet"; var RTR_ArticleBlurb = "By Ros Krasny BOSTON (Reuters) - Delinquencies among small and medium-sized U.S. business borrowers fell in October for a third straight month, according to PayNet Inc, which provides risk-management tools to the commercial lending industry. The..."; </script> <script> var partnerUriValue = ''; </script> <span id="trackingEnabledModule" name="trackingEnabledModule" modulename="Article Tools" moduleid="460347"> <script language="javascript">addImpression("460347_Article Tools");</script> <script type="text/javascript"> var showComments = false; var allowSLCall = false; function singlePageView() { document.location.href = ReplaceQueryStringParam(document.location.href, "sp", "true"); } function replaceString(oldS, newS, fullS) { // Replaces oldS with newS in the string fullS for (var i = 0; i < fullS.length; i++) { if (fullS.substring(i, i + oldS.length) == oldS) { fullS = fullS.substring(0, i) + newS + fullS.substring(i + oldS.length, fullS.length); } } return fullS; } </script> <input name="CurrentSize" id="CurrentSize" type="hidden"/> <div id="atools" class="articleTools"> <script language="javascript" src="/web/20091203185115js_/http://www.reuters.com/resources/js/shareStub.js"></script> <div id="autilities" class="articleUtilities"> <a id="toolEmail" href="javascript:commonPopup('/do/emailArticle?articleId=USTRE5B01VY20091201', 540, 600, 1, 'emailPopup')">Email</a> | <a id="toolPrint" href="/web/20091203185115/http://www.reuters.com/articlePrint?articleId=USTRE5B01VY20091201" onclick="javascript:commonPopup('', 540, 600, 1, 'printPopup'); return true;" target="printPopup">Print</a> | <div id="shareLink" onclick="tryShareOverlay()">Share</div> | <a id="toolReprints" href="https://web.archive.org/web/20091203185115/http://www.parsintl.com/reutersquote" target="_blank">Reprints</a> | <a id="toolSingle" href="javascript:singlePageView();">Single Page</a></div> <div class="articleTextSizerFull" id="textSizer"> [<a href="javascript:sizeDown();" class="control">-</a>] <a href="javascript:resetCurrentsize();">Text</a> [<a href="javascript:sizeUp();" class="control">+</a>] </div> </div> <div class="linebreak"></div> </span> <div><script type="text/javascript" src="https://web.archive.org/web/20091203185115js_/http://static.reuters.com/resources/js/articlePartnerAttribution.js"></script></div><script> var csvSymbolIds = ""; var quoteLink = "true"; </script> <div id="resizeableText"> <span id="midArticle_start"></span> <p>By <a href="https://web.archive.org/web/20091203185115/http://blogs.reuters.com/search/journalist.php?edition=us&n=ros.krasny&">Ros Krasny</a><span id="midArticle_byline"></span></p><span id="midArticle_0"></span> <p>BOSTON (Reuters) - Delinquencies among small and medium-sized U.S. business borrowers fell in October for a third straight month, according to PayNet Inc, which provides risk-management tools to the commercial lending industry.</p><span id="midArticle_1"></span> <p>The improved snapshot of accounts in moderate and severe delinquency is consistent with indications that business conditions bottomed out earlier in the year.</p><span id="midArticle_2"></span> <p>"The financial health of these millions of companies is stabilizing and the ability to repay loans on time is improving," said Bill Phelan, president and founder of Skokie, Illinois-based PayNet.</p><span id="midArticle_3"></span> <p>Accounts in moderate delinquency, or behind by 30 days or more, fell to 4.07 percent in November from 4.25 percent in October, according to PayNet.</p><span id="midArticle_4"></span> <p>That marked the greatest improvement in the measure since June 2004. Delinquencies were running at the lowest rate since December 2008.</p><span id="midArticle_5"></span> <p>Accounts 90 days or more behind in payment, or in severe delinquency, fell to 1.43 percent from 1.45 percent, a third straight monthly improvement.</p><span id="midArticle_6"></span> <p>Still, accounts behind 180 days or more, or in default, rose to 0.87 percent in October from 0.84 percent in September, yet another new high for the current business cycle.</p><span id="midArticle_7"></span> <p>PayNet's Small Business Lending Index, which measures the overall volume of financing, fell 18 percent year-over-year in October.</p><span id="midArticle_8"></span> <p>In recent months the level of decline has started to flatten out, but Phelan said many companies don't see a pressing need for new business investment.</p><span id="midArticle_9"></span> <p>"Demand from the consumer doesn't exist like it's done in the past," he said. "Business owners are not yet comfortable in expanding their companies."</p><span id="midArticle_10"></span> <p>PayNet collects real-time loan information, such as originations and delinquencies, from more than 225 leading U.S. capital equipment lenders.</p><span id="midArticle_11"></span> <p>The company's proprietary database encompasses more than 16 million current and historic contracts, worth $700 billion.</p><span id="midArticle_12"></span> <p>More than half the money invested in plants, equipment and software in the United States in any given year is financed with loans, leases and lines of credit.</p><span id="midArticle_13"></span> <p>(Editing by Leslie Adler)</p><span id="midArticle_14"></span> </p><span id="midArticle_15"></span> <div class="linebreak"></div> <div class="pageNavigation" style="margin-bottom: 10px;"> </div> </div> <link href="/web/20091203185115cs_/http://www.reuters.com/resources/css/quoteProfile.css" rel="stylesheet"/> <script language="javascript" src="/web/20091203185115js_/http://www.reuters.com/resources/js/quoteProfile.js"></script> <p id="copyrightNotice" class="copyright"> © Thomson Reuters 2009 All rights reserved</p> <span id="trackingEnabledModule" name="trackingEnabledModule" modulename="Share Links" moduleid="1390430"> <script language="javascript">addImpression("1390430_Share Links");</script> <div> <div class="NONE" style="margin-bottom: 0px;">  <div><script language="javascript" src="/web/20091203185115js_/http://www.reuters.com/resources/js/shareStub.js"></script> <div id="shareFooter"> <div class="dividerInlineH"> </div> <h3>Share:</h3> <div id="shfDelicious"><a href="javascript:shareDelicious();">Del.icio.us</a></div> <div id="shfDigg"><a href="javascript:shareDigg();">Digg</a></div> <div id="shfMixx"><a href="javascript:shareMixx();">Mixx</a></div> <div id="shfYahoo"><a href="javascript:shareYahoo();">Yahoo!</a></div> <div id="shfFacebook"><a href="javascript:shareFacebook();">Facebook</a></div> <div id="shfLinkedIn"><a href="javascript:shareLinkedIn();">LinkedIn</a></div> </div></div>  </div> </div> </span> <div><script language="javascript" src="/web/20091203185115js_/http://www.reuters.com/resources/js/timelineStub.js"></script></div><span id="trackingEnabledModule" name="trackingEnabledModule" modulename="Next Article" moduleid="460349"> <script language="javascript">addImpression("460349_Next Article");</script> <div class="linebreak"> </div> <div class="nextArticle"> <div class="dividerH"> </div> <span class="storytype"> Next Article:</span> <span class="nextArticleLink"><a href="/web/20091203185115/http://www.reuters.com/article/smallBusinessNews/idUSN1812587720091130">Senate opens work on healthcare bill</a> </span> <div class="dividerInlineH"> </div> </div> <div class="linebreak"> </div> </span> <div class="assetBuddy" name="smBiz_cohen_Sep24"> <span name="trackingEnabledModule" modulename="E1203092035_64376"><script language="javascript">addImpression("E1203092035_64376");</script><div class="module"><div class="moduleHeaderInline"><h3>Small Business</h3></div><div class="moduleBody"><div class="inlineThumbnail"><a href="https://web.archive.org/web/20091203185115/http://www.reuters.com/article/smallBusinessNews/idUSTRE5B149U20091202"><img src="https://web.archive.org/web/20091203185115im_/http://static.reuters.com/resources/media/global/assets/images/20090729/cohen pic.jpg" alt="Deb L. 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