Patent ID: 7983951

Claim:
A system to transfer a loan amount of a loan to a seller who lists an item for sale on an e-commerce web site, the system comprising: a lending server to communicate with an e-commerce server hosting the e-commerce web site, the e-commerce web site comprising web pages that allows sellers to list goods for sale and allows buyers to bid on or purchase the goods for sale; the lending server being in communication with a lending database that stores credit profiles of parties comprising respective credit information; and the lending server being in communication with a financial processing application to initiate transfer of funds using a computer communications network, wherein the lending server is configured to retrieve a credit profile associated with the seller from the lending database and make a determination, based on at least both the credit profile and on characteristics of the seller's sales history on the e-commerce web site, whether to approve the loan to the seller, and upon approval, notify the seller the loan is available and terms of the loan, and upon acceptance by the seller, use the financial processing application to transfer the loan amount to the seller, wherein the seller is permitted to use the loan amount to improve the seller's cash flow or other purpose.