Abstract: A method, system, and computer program product for providing credit services is provided. The method includes establishing a first and second minimum levels of eligibility for a first and second set of financing options, respectively. The second set of financing options includes additional credit offer terms for mitigating risk. In response to receiving a request for a financing arrangement that includes the first set of financing options, the method includes performing an eligibility determination for a requester to ascertain which of the minimum levels of eligibility, if any, applies to the requester, and providing a response to the requester based upon results of the eligibility determination. The response includes one of: approving the request for the financing arrangement that includes the first set of financing options, offering the requester other financing arrangement that includes the second set of financing options, and declining the request.