MAINTAIN

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.

Book a demo

WHAT MAINTAIN COVERS

Everything a license demands after it is granted.

Every cycle

Renewals

Every license, every cycle, planned backward from the deadline so the work starts on time, not when the reminder fires.

Every change

Amendments

Address changes, officer changes, ownership changes. Filed with every affected state before they become findings.

Quarterly and annual

Call Reports

Quarterly and annual reports generated from company data and filed on schedule.

Continuous

Exam Preparation

Continuous readiness scoring against state examiner playbooks, so exam month is a review, not a scramble.

All 50 states

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.

Tracked

Bonds & Net Worth

Surety bond amounts and net worth thresholds tracked against changing state requirements.

THE YEAR OF A LICENSE

Twelve months of obligations, planned backward from every deadline.

JAN

FEB

MAR

APR

MAY

JUN

JUL

AUG

SEP

OCT

NOV

DEC

JANAnnual report season opens
MARQuarterly call report
MAYAmendment filed for an address change
JUNQuarterly call report
AUGExam readiness review
SEPQuarterly call report
NOVRenewal window opens November 1
DECRenewals filed, the year closes

HOW MAINTAIN THINKS

Built around the way compliance work actually fails.

[1]

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.

[2]

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.

[3]

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 reads the gaps in your own record rather than predicting an outcome, and it shows exactly what to fix, ranked by what examiners return to most.

[4]

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 package assembles 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, Seats 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.

Book a demo

BOOK 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.