Abstract: An information handling system may include at least one processor; and a non-transitory memory coupled to the at least one processor. The information handling system may be configured to: receive, from a borrowing party, a request for a loan from a lending party for servicing a debt owed to a creditor party; transmit, to the lending party, information relating to the request; determine loan repayment terms; cause a first amount of funds to be debited from the lending party in a first transaction; and cause a second amount of funds to be credited to the creditor party in a second transaction.