Abstract: A system and method for matching a lender and a borrower based on color-coded financial ratios, and discussing the loan through an online meeting between the borrower and lender. The method creates an efficient environment for matching a borrower, such as a consumer, with at least one lender, such as a bank. The borrower and at least one lender interact on a network. The borrower submits loan related data to a database and algorithm for analyzing to generate a color-coded financial ratio that provides the lender with efficient tools to determine whether the potential borrower qualifies for the respective lending criteria. A chatbot answers queries from the borrower or lender. An interactive calendar allows the borrower and lender to corroborate on a meeting date and time, and an Internet operable image capturing device, such as webcam, allows for an online meeting between borrower and lender to discuss the loan.