Patent Document ID: 9349145
Application ID: 14180601
Patent Flag: 1

Claim One:
1. A method comprising: receiving, in a security engine of a system including one or more server computers and one or more storage systems of a first entity via a first secure connection, information of a small business concern, the information including financial information of one or more principals of the small business concern and principal identification information, the security engine comprising a hardware fixed token; communicating at least some of the small business concern information to at least one external credit source, via a second secure connection; receiving credit data from the at least one external credit source responsive to the communicating; accessing a database of at least one of the one or more storage systems of the first entity using at least some of the credit data to identify a set of one or more lenders with which the small business concern may be compatible, based at least in part on some of the small business concern information and the credit data, the database including a plurality of entries each associated with a lender and including loan preference information for the lender; evaluating, in a hardware decision engine of the system of the first entity, information obtained from the accessed database; generating, in the hardware decision engine, based at least in part on the information obtained from the accessed database, a report for the small business concern, the report including credit scoring information from the at least one external credit source, educational content, and at least one of a likelihood of funding and one or more pre-qualification offers, wherein generating the report includes: determining a loan amount for the small business concern, including determining an available equity amount and an equity injection ratio based on the available equity amount and a project cost; setting an equity injection amount to be less than the available equity amount if the equity injection ratio is greater than a ceiling threshold, and otherwise setting the equity injection amount to the available equity amount; if the equity injection ratio is less than a floor threshold, determining a loan capacity amount suitable for the small business concern based on a portion of the project cost and the available equity amount; and identifying the one or more pre-qualification offers using the loan amount; and communicating the report to the small business concern, via the first secure connection.