Providing financial services and providing a marketplace for sellers of goods and/or services on a global computer information network to participants in business-to-business commerce in the nature of factoring accounts receivable, providing letters of credit, purchase order financing, financial analysis and management, commercial lending, credit insurance, credit inquiry, consultation, recovery and collection, financial exchange, risk management, financial security services, namely guaranteeing loans, bills payment services, business liquidation, and fiscal assessment and evaluation