Patent ID: 7774253

Claim:
A method for administering, using a computer loan system, an agreement relating to a loan having an arranger, lenders, and a borrower, the method comprising: at time t 1 , recording, on memory in the computer loan system, an initial price of the loan corresponding to the agreement, the initial price of the loan comprising a reserve rate; at time t 3 , receiving, at the computer loan system, information for use with a pricing grid recorded on the memory in the computer loan system, where the information comprises a report of the borrower's financial status for use with the pricing grid; determining, using a processor of the computer loan system, an adjusted price of the loan using the information and the pricing grid; applying the adjusted price of the loan for a period of time starting at a time t 2 and ending at the time t 3 , where the time t 2 is earlier than the time t 3 ; determining that the adjusted price of the loan is not less than the initial price of the loan; and at time t 3 , requesting distribution of a reserve amount of the loan that accrued at the reserve rate for a period of time ending prior to the time t 3 , in accordance with the adjusted price of the loan.