Y CombinatorMAINTAIN
Stay licensed.
Getting licensed happens once. Staying licensed is forever: renewals, amendments, call reports, exams, and rules that change underneath. Maintain runs the recurring work so the team supervises instead of typing.
Request a DemoWHAT MAINTAIN COVERS
Everything a license demands after it is granted.
Renewals
Every license, every cycle, planned backward from the deadline so the work starts on time, not when the reminder fires.
Amendments
Address changes, officer changes, ownership changes. Filed with every affected state before they become findings.
Call Reports
Quarterly and annual reports generated from company data and filed on schedule.
Exam Preparation
Continuous readiness scoring against state examiner playbooks, so exam month is a review, not a scramble.
Regulatory Change Monitoring
Statute and rule changes in all 50 states, surfaced the day they land with what they mean for the licenses in scope.
Bonds & Net Worth
Surety bond amounts and net worth thresholds tracked against changing state requirements.
HOW MAINTAIN THINKS
Built around the way compliance work actually fails.
Knows every rule, in every state.
Payna tracks the full regulatory landscape: all 50 US state statutes, NMLS procedures, FinCEN requirements, and international licensing frameworks. When a state changes its surety bond threshold or exam criteria, the change surfaces the same day. Not weeks later from outside counsel.
Flags when to start, not just when it's due.
A renewal due in 60 days is not one task, it is a chain: updated financials, surety bond endorsement, board resolution, NMLS submission, state processing time. Payna calculates backward from every deadline and surfaces the real start date. California takes 45 days to process. Texas takes 10. Payna knows.
Runs the exam before the examiner does.
State examiners follow structured playbooks. Payna scores compliance posture against those playbooks continuously: every document, policy, training record, and filing. The score is a real pass/fail probability, not a vanity metric. It shows exactly what to fix, ranked by what examiners care about most.
Keeps a perfect record of everything.
Every action is cryptographically timestamped. Payna builds a continuous compliance narrative: structured, queryable, audit-ready. When an examiner walks in, the perfect package is ready in seconds. When the board asks "are we compliant?", the answer is a number, a trend, and a drill-down.
BEYOND THE ENTITY
Licenses belong to companies and to people.
Maintain keeps the company side current. If the business also depends on licensed individuals, MLOs, adjusters, or producers, Roster runs the same discipline per person: renewals, continuing education, and sponsorships, tracked across the whole roster.
See what year two of a license looks like on Payna.
Bring the license list. We will show the renewal calendar, the exam readiness view, and what the team stops doing by hand.
Request a DemoBOOK A DEMO
See how Payna runs licensing.
Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.