WEB BASED COMMERCIAL LOAN PLATFORM

摘要

A commercial loan platform is disclosed which provides access to relatively small commercial loan originators to literally hundreds of lenders and loan programs. In order to enable the small commercial loan originators to better service their clients, the commercial loan platform can be configured as a private label website. The commercial loan platform includes a matching engine which matches the commercial loan request originated by the small commercial loan originator with the loan program and lender that best fits the parameters of the request. By comparing the borrower's needs with a multitude of various loan programs, the borrower will not only get the most competitive loan but the loan that best fits their needs. Processing of the commercial loan is handled by a central processing center which enables such small commercial loan originators to handle the commercial loans in a cost efficient manner. By having access to hundreds of lending sources, smaller commercial loan originators will be able to better serve clients, which previously would not have been cost effective

主权项

1. A computer system for forming a commercial loan platform comprising:
an application server for calculating various commercial loan metrics; a database for storing lending criteria for a plurality of commercial loan lenders; a matching engine for matching the lending criteria for said plurality of commercial loan lenders with borrower data from a loan application to identify the borrower data that matches criteria of the commercial loan lenders and satisfies the commercial loan metrics; and a central processing system for processing commercial loans for commercial loan lenders selected by said borrowers.