Abstract: Methods and systems are provided for determining creditworthiness, such as for online merchants. For example, a system can comprise one or more memories that store sales performance information regarding an online merchant. One or more hardware processors can be in communication with the one or more memories and can be operable to access the sales performance information in the one or more memories. The one or more hardware processors can be further operable to determine, at least in part from the sales performance information, a creditworthiness of the online merchant.

Abstract: A system or method for implementing working capital for merchants is provided. In particular, a payment service provider may provide working capital to merchants based on the merchant's sales or payment history. For example, based on a merchant's sales or payment history, a close-ended (fixed amount) loan based on expected customer sales, with no fixed duration, no end date, and no interest, is provided to the merchant The “loan” may be viewed as a hybrid cash advance/loan product. Further, the repayment for the loan may be derived from future sales. The payment service provider may monitor sales volume of the merchant based on payment activities at the merchant. Based on the loan term, a portion of the sales revenue of the merchant may be directed for repayment of the loan. Thus, the repayment may be contingent on sales volume to provide the merchant with flexibility in loan repayment.