Abstract: A system and a method are provided to enable a user to post on the internet an item for sale, obtain a credit therefor, access the credit and convey the item to a buyer. The system includes a database of information and an item upload function arranged to enable the user to post information about an item that the user wishes to sell. The system further includes a credit establishment function establishes a credit for the user based on the posting, wherein the credit establishment function is arranged to make the credit available for the user to access immediately upon posting the item. A credit usage function permits the user to store the credit or convert the credit into funds accessible by the user. A reporting aspect of the system enables the user to see credit usage and availability information.

Abstract: A system and a method are provided to enable a user to post on the internet an item for sale, obtain a credit therefor, access the credit and convey the item to a buyer. The system includes a database of information and an item upload function arranged to enable the user to post information about an item that the user wishes to sell. The system further includes a credit establishment function establishes a credit for the user based on the posting, wherein the credit establishment function is arranged to make the credit available for the user to access immediately upon posting the item. A credit usage function permits the user to store the credit or convert the credit into funds accessible by the user. A reporting aspect of the system enables the user to see credit usage and availability information.