Lend Confidently

PayNet harnesses the collective power of commercial lending data so
commercial finance, commercial banking, and alternative lenders can make
better decisions.

Transforming Commercial Lending

Twenty years ago, PayNet was launched to create better tools for the small business credit market. Today, we’re still at it, with commercial lending data and insights you simply can’t get anywhere else.

When access to capital is expanded, companies grow, careers thrive, and communities prosper. To close the small business credit gap, we’re on a mission to make the lending process faster, easier, more accurate, and more profitable.

  • Largest proprietary database of small business loans, leases, and lines of credit in existence

  • Strategic Partner of Canadian Finance & Leasing Association (CFLA)

  • Exclusive endorsement from the Equipment Leasing and Financing Association (ELFA)

  • Preferred Service Provider for Independent Community Bankers of America® (ICBA)

PayNet Corporate Management


We’ve built a collaborative team of visionaries and entrepreneurs who offer considerable expertise in finance, technology, and solutions development.



President and Co-Founder

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Barry Ripes photo

Managing Director

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Operations Leader

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Director - Solutions Delivery

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Vidya Vishal photo

Commercial Growth Leader

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A Mission to Help Main Street

Small business fuels the economy. Although our direct clients are commercial lenders, PayNet never loses sight of the millions of private local firms at the heart of the credit cycle. We’re committed to reducing the credit gap and building a stronger global economy.

How we’re making an impact

Forward Momentum

We’re not just content to build the largest database of commercial credit data. We thrive on exploring, extracting, and interpreting that data—along with extensive economic research—to spot trends and predict market shifts.

The reason? To help our clients create C&I growth strategies, manage risk, and get ahead. We work with commercial lenders of all sizes and specialties across North America, from local corner banks to global capital providers.

USA-Based, Canada Proud.

While PayNet’s headquarters is just outside of Chicago in Skokie, IL, we are proud that our community presence extends all the way into Canada. We’re all about building a diverse community of like-minded partners.

Connect with PayNet

Join the PayNet Team

We’re working on the cutting edge of data analytics to move the small business credit market
forward. Pretty exciting, right? We’re always looking for customer-service obsessed individuals to
help make that happen.