A COMPUTER SYSTEM FOR PROVIDING PROJECTED INCENTIVE BASED LOANS

摘要

A computer system for providing projected incentive based loans manages and tracks (506) loan data for a loan made to a purchaser in association with the purchase of goods or services(516). The system projects purchase amounts to be made by a purchaser, such as a small business, over a period of time. Purchases can be goods or services, such as package shipping services. Based on the amount of the projected purchases, an incentive rate agreed upon by the seller of the goods or services and the purchaser is used to compute a loan amount. The present value of the incentives to be earned over the projection period is loaned to the purchaser. The incentive rate is stored in the system (512) and used to generate invoices (508) and manage loan repayment.