SECURED DISINTERMEDIATED SYSTEM FOR SEEKING AND ACQUIRING FUNDING

摘要

A disintermediated on-line system for matching a plurality of lenders to a borrower is described. The system comprises: a lender engine for enabling a plurality of remotely-located lenders to each set up a lender profile; the lender profile including an offer value parameter representing an amount of funds that the lender is making available to the system, and a range parameter representing the risk that the lender is prepared to accept; a borrower engine for enabling a remotely-located borrower to set up a borrower specification, the borrower specification specifying: an asset against which funds are to be secured; personal information regarding the borrower; and a loan value parameter representing an amount of funds that the borrower requires; and a risk calculation engine comprising a processor for calculating a total risk score from the borrower specification.