Numerated, a financial technology company digitally transforming business lending and sales at relationship banks, announced it will integrate PayNet’s MasterScore v2 within its real-time lending and growth platform.

PayNet, a leading commercial lending data and analytics firm, will integrate its proprietary database within Numerated’s customizable rules- and segment-based credit decisioning engine to offer banks additional business scoring criteria for managing risk when lending to businesses in real-time.

“PayNet’s commercial lending data and insights provide Numerated’s credit decisioning engine with enhanced validation inputs,” said PayNet, Inc. President William Phelan. “By using our integrated solution to digitize the lending process, Numerated’s bank clients save time evaluating a business’s credit status, and have high quality data to make more accurate decisions. It’s a competitive advantage and increases access to much-needed credit for qualified small businesses.”

With PayNet MasterScore v2's powerful ability to predict borrowers’ risk, Numerated clients can benefit from improved decisioning and increased profitability. Numerated’s automated credit decisioning engine offers configurability, analytics, and intelligent routing capabilities that ensure credit policies that were previously executed manually are effectively translated digitally. Customers receive a great experience, and the bank becomes more efficient.

“When it comes to digitizing lending to provide businesses a more convenient way to borrow, we are committed to arming banks and credit unions with an in-house platform that offers transparency, configurability, and choice,” said Dan O’Malley, Founder and CEO of Numerated. “Our integration with PayNet will further this commitment, offering institutions an additional risk scoring model as they customize their credit decisioning automation within our platform.”