Abstract: Systems, methods and machine-readable mediums for providing real-time data of commercial and financial activity to a financial institution to guide credit operations and risk management. The system may include a processor configured to receive commercial and financial data for a plurality of businesses, transmit the data to a storage device for storage, determine if at least one business has a projected negative cash flow, generate a report to identify at least one business that has a projected negative cash flow, and transmit the report to at least one financial institution terminal to facilitate a financial institution's credit operations and risk management. The computer readable mediums provide instructions to cause the processor to perform the operations above. As such, the methods, systems and machine-readable mediums embodied in the present disclosure allow financial institutions to extend lines of credit with higher confidence and reduced risk.

Abstract: Systems, methods and machine-readable mediums for processing electronic loan applications to match with one or more lending institutions. The systems may include a storage device and a processor. The storage device may store commercial and financial data for a plurality of businesses and selection criteria data for a plurality of lending institutions. The processor may be configured to receive a loan application from the at least one of the plurality of businesses, generate a report on a financial condition of at least one of the plurality of businesses based on the financial data and the commercial data, apply the selection criteria data to filter the at least one of the plurality of businesses based on its financial condition and to automatically select one or more lending institutions from the plurality of lending institutions, and transmit the report and the loan application to a lending institution terminal for each of the selected lending institutions.

Abstract: Systems, methods and machine-readable mediums for managing commitments and account receivables. The systems may include a processor for executing code instructions to perform the following operations: receive a commitment, from a payor terminal, for paying an invoice; transmit a notification of the commitment to a payee terminal as an anticipated receivable; display, on the payee terminal, a name of at least one financial institution having a payor account; receive a selection of one or more financial institutions, from the payee terminal, for requesting a quotation on the anticipated receivable; transmit the quotation, to the payee terminal, for each of the selected financial institutions; receive a selection of a financial institution with a desired quote, from the payee terminal, for payment processing; and debit the payor account at the selected financial institution with the desired quote. The computer readable mediums provide instructions to cause the processor to perform the operations above.

Abstract: Systems, methods and machine-readable mediums for consolidating financial information from multiple accounts maintained with a plurality of financial institutions. The systems may include a storage device and a processor. The storage device may store commercial data from a plurality of businesses and financial data from a plurality of financial institutions. The financial data may include at least one business account information maintained with each financial institution. The processor may execute code instructions to consolidate the financial data and perform at least one of the following operations: (1) determine if at least one business has a projected negative cash flow; (2) transmit an electronic notification to a payee/beneficiary of a scheduled payment from at least one payor's bank account; and (3) transmit a loan application and report on the financial and commercial data of the at least one business to a lending institution terminal.