PayNet Inc. provides monthly reports on Canadian commercial credit trends for CFLA members. In addition to interpretive commentary, PayNet provides the monthly CFLA/PayNet Canadian Equipment Lending Index (CFLA CELI) and the CFLA/PayNet Canadian Equipment Delinquency Index (CFLA CEDI).
CFLA/PayNet Canadian Equipment Delinquency Index
The CFLA/PayNet Canadian Equipment Delinquency Index (CFLA CEDI) reflect the percentage of Canadian small and medium businesses that are 31-180 days past due or 91-180 days past due with Canadian finance companies. The CFLA CEDI are metrics of financial stress and provide early warning of future insolvency.
CFLA/PayNet Canadian Equipment Lending Index
The CFLA/PayNet Canadian Equipment Lending Index (CFLA CELI) measures the volume of new commercial loans and leases to small and medium businesses indexed so that January 2005 equals 100. The CFLA CELI is designed to provide early signals of economic growth, demand for capital, and business fixed investment
The PayNet Canadian Small Business Lending Index (CSBLI) measures the volume of new commercial loans and leases to small businesses, indexed so that January 2005 equals 100.
The PayNet Canadian Small Business Delinquency Index (CSBDI) measures the percentage of loans to small businesses that are more than 30 days past due. The CSBDI 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.
