Patent ID: 8630929

Claim:
A method of managing lending decisions regarding a company comprising: modeling, by a computer-based system comprising a processor and a tangible, non-transitory memory for managing lending decisions regarding a company, industry spending patterns using individual corporate data and aggregate data, including financial statement data; identifying, by the computer-based system, a costs of goods sold and operating expenses from at least one of the individual corporate data and the aggregate corporate data; at least one of identifying, by the computer based system, a cardable operating expense from the operating expenses and identifying, by the computer-based system, a cardable operating expenses ratio from aggregate corporate data; at least one of summing, by the computer based system, the cardable operating expenses with the cost of goods sold and summing, by the computer-based system, the cost of goods sold with product of operating expenses and the cardable operating expense ratio; 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 the model of industry spending patterns, wherein the commercial size of spending wallet comprises the cost of goods plus the cardable operating expenses of the company wherein the payment instrument is associated with a transaction account, 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.