Patent ID: 8606695
Filing Date: 2013-12-10
Classification: G06Q

Abstract:
1. A computer-implemented business analysis apparatus comprising: a business analysis module programmed for use in association with a small business entity seeking to identify at least one credit product and programmed for executing, by a processor, a business analysis tool in connection with a transaction processor of a decision making engine, wherein the business analysis tool is programmed for: (i) receiving, by a processor, risk data associated with the small business entity, wherein the risk data include: (ii) calculating, by a processor, a separate sub-section risk score for each of the personal credit score, debt-to-income, time in business, industry type, and corporate entity type sub-section risk data sets received by the processor; (iii) calculating, by a processor, an overall risk score associated with the small business entity in response to the calculated sub-section risk scores by aggregating the separate sub-section risk scores into the overall risk score; and, (iv) matching, by a processor, at least one credit product with the small business entity in response to at least the calculated overall risk score or at least a portion of the sub-section risk data.