Abstract: The method and system of the invention is directed to a process for the optional acquisition of receivables. The method of the invention, which may be characterized as an Optional Purchase Commitment (“OPC”) is a process by which a potential grantee, for example a buyer, may pay for the right, but not the obligation, to acquire receivables from a grantor, for example a seller. The OPC process of the invention enables a grantor of such receivables, typically a credit grantor, to estimate the amount of its future receivables and enter into OPC agreements to convey those expected receivables under a fixed arrangement at a specific time in the future to a grantee, for example a buyer. A grantor, a grantee, or a third party acting on behalf of either a grantor or a grantee, or independently, may initiate the OPC process of the invention. The OPC process may be utilized in conjunction with existing marketing processes. The OPC process of the invention provides a time horizon or option period.