Patent ID: 7124104

Claim:
A database for evaluating economics of a financing based on workload requirements, the financing includes at least one loan included within a portfolio of loans requested by a borrower from a lender, said database comprising: data corresponding to workload drivers for a financing, each workload driver is an element of the financing relating to the borrower including at least one of collateral performance, excess availability, books and records, risk classification, number of agings, frequency of borrowing, frequency of reporting, co-borrower structure, fixed charge coverage, first time asset based lending borrower and export-import bank guarantee, each workload driver is reviewed by the lender as part of an underwriting process of the financing; data corresponding to a trigger level for each workload driver, the trigger level assigned to a workload driver indicates the anticipated level of effort required by the lender to complete the underwriting process associated with the corresponding workload driver; and data corresponding to a weight entered by the lender for each trigger level; and data corresponding to allocation of portfolio and underwriting expenses, the allocation is based upon the workload drivers and the corresponding trigger levels.