Patent ID: 7797217

Claim:
A computer system for facilitating acquisition of a credit facility for a plurality of loans provided by a loan originator to one or more borrowers, the system comprising: one or more data tables stored in a computer-readable storage medium and including data associated with one or more products comprising one or more financial instruments that employ or accomplish a form of risk transfer and have a portion or component having a potential to grow in value over time, wherein said data in said one or more data tables include a current gap value associated with each of said one or more products, said current gap value representing the difference between a premium paid and a value of each of said one or more products; and a processor configured to execute: a gap enhancement module configured to receive commitments associated with one or more gap enhancement instruments executed by one or more parties other than the one or more borrowers and addressing said current gap value; and a finance module configured to: (a) combine into a portfolio said plurality of loans, each secured by one or more of said products; (b) calculate an aggregate risk value for said portfolio, said aggregate risk value based on said current gap value of each of said one or more products in said portfolio; and (c) provide to a credit provider: (i) said aggregate risk value; and (ii) enhancement data representative of said one or more executed gap enhancement instruments and supportive of said credit facility for said portfolio of loans, having terms favorably responsive to the presence of said enhancement data.