Patent ID: 8346654

Claim:
A computer-implemented method for providing a fund that provides liquidity in a plurality of borrowers in a defined class, the method comprising: providing a computer system having a computer processor coupled to a data storage device, the computer system configured to exchange data with external systems via a computer network; in the data storage device, defining a fund identification (ID) and a cash value representing a fund pool of cash from at least one lender; generating a loan from the fund pool of cash to a borrower from the plurality of borrowers in relation to an asset of the borrower, including storing in the data storage device a loan principal and loan term in association with the borrower; depositing the loan principal in an interest-bearing account and electronically calculating interest; for a time period not greater than the loan term, electronically proportioning the interest and distributing a first interest portion to a lender account and a second interest portion to a borrower account; electronically calculating an accumulated interest amount for the loan for the time period based on the loan principal; and calculating a payment stream for the borrower from the accumulated interest amount and from an index that represents value-based performance of the class, wherein the class represents a market to which the asset of the borrower belongs.