Patent ID: 8744944

Claim:
A method for managing lending decisions regarding a company comprising: summing, by a computer-based system at least one of cardable operating expenses with cost of goods sold, and the cost of goods sold with a product of operating expenses and a cardable operating expenses ratio, wherein the cost of goods sold and the operating expenses are identified from at least one of individual corporate data and aggregate corporate data, wherein the cardable operating expenses are identified from the operating expenses, and wherein the cardable operating expenses ratio is identified from the aggregate corporate data; estimating, by the computer-based system, a commercial size of spending wallet of the company based on, at least, known financial statement data of the company, total known business spending of the company, and a model of industry spending patterns, and wherein the commercial size of spending wallet comprises a company's cost of goods sold plus the cardable operating expenses of the company, and wherein the model of industry spending patterns is used to infer financial statement data and spending data that is not known; and determining a lending course of action regarding the company based on the commercial size of spending wallet of the company.