Abstract: This invention is a system with a website and software download to be used for negotiation between online buyers and sellers, lenders and travel agents. Buyers and sellers are put in direct communication to make offers and counteroffers on products and services listed online. The current invention will also provide an option for the buyer to ask for, or make a monthly payment offer lending products that may or may not be related to the their pending purchase. Lenders will also be able to make offers or offer their financing services to every buyer that is negotiating a Product or service such as lending products including loans for the purchase of ideas, such as cars or property that a buyer is buying from a seller.