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.

• “Current” — a seasonally adjusted index (January 2005=100) for the most recently reported month
• “Change” — based on same-month one-year-prior; a higher number indicates increased lending activity

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.

• “Current” — the delinquency rate of small businesses for the most recently reported month, calculated as an index
• “Change” — based on same-month one-year-prior; a higher number indicates greater financial stress