Patent ID: 7945521

Claim:
A process for obtaining financing, the process comprising: forming a single-purpose business entity (SPE), with at least one operating requirement that establishes separateness of the single-purpose business entity from one or more separate business entities; transferring the one or more separate business entities facility or equipment lease obligations to the single-purpose entity; assigning rights to revenues of the facility or equipment to the single-purpose entity; forming a lessee or loan relationship with the single-purpose entity wherein one or more third parties pay the revenues to the SPE; determining, in a programmed machine, computer-generated credit factors for the financing; electronically delivering the credit factors to a credit rating agency, such that the credit rating agency assigns a credit rating for the financing, based on the credit factors and the revenues of the SPE, the assigned credit rating being superior to a credit rating available to the one or more business entities using the facilities or equipment; securing bond financing for the facility or equipment on a basis of the assigned credit rating including issuing bonds with a rating established at least in part in view of a demand for such facility or equipment; and allocating the bond financing for purchase, construction or renovation of an education institution.