Abstract: The disclosed embodiments include methods and systems for collecting, managing, and processing data for lending services. In one embodiment, a computerized system is disclosed that may receive a loan request from a customer, and collect data from the customer and third parties having information about the customer. The system may utilize the collected data in an ability-to-pay (ATP) calculator to determine the customer's ability to pay the requested loan, in addition to the customer's current financial obligations, and considering additional contextual factors. Different selectable versions of the ATP calculator may incorporate different contextual data and non-traditional financial data to provide a customized, accurate determination of the customer's ability-to-pay.