Abstract: Computerized systems and methods for initiating, creating, managing, and securitizing loans and other credit programs electronically are disclosed. The systems and methods provide lenders with equal opportunity access to a plurality of loan securitization pools, such that the lenders can subscribe to various loan securitization pools, and within each loan securitization pool, subscribing lenders are equally provided loan securitization opportunities on a rotating basis. Methods for providing lenders with rotating credit decision opportunities are disclosed. The rotating credit decision methods provide participating lenders who subscribe to a common securitization pool with an equal opportunity for selling loans eligible for that securitization pool to their customers.

Abstract: Computerized systems and methods for initiating, creating, managing, and securitizing loans and other credit programs electronically are disclosed. Loan securitization pools that can be subscribed to by a plurality of lenders are electronically defined and established. Lenders may subscribe to the loan securitization pools for the purpose of converting their loans to cash. The loan securitization pools comprise loans from a plurality of lenders, and are created according to optimizing a plurality of loan features, thereby maximizing the potential conversion value of the loans therein. Optimization techniques are disclosed for establishing the loan securitization pools with pre-defined sets of loan characteristics, such that the loan securitization pools have an easily analyzed worth and will not be discounted when converted to cash.

Abstract: Computerized systems and methods for simultaneously managing multiple securitization pools are disclosed. The simultaneous management methods allow lenders to re-allocate loans into secondary loan pools when the loans become ineligible for primary loan pools. Lenders are thereby saved from having to carry loans on their books when they become ineligible for a primary loan pool. The methods also allow lenders to allocate a loan to relatively higher valued loan securitization pools based on loan characteristics, and to re-allocate the loan to a relatively lower valued loan securitization pool should the loan fall out of or become disqualified from the relatively higher valued loan securitization pool. The disclosed systems and methods provide smaller lenders with the ability place their loans in the most beneficial loan securitization pool available.