Platform as a service (PAAS) featuring computer software platforms for commercial financial transaction data, account management, data operations, financial reporting, accounting features, credit, invoice advances, loan assistance and related reference information for small and medium sized businesses and consumers; software as a service (SaaS) services featuring software for business and consumer analysis and lending in the fields of personal, business, education, and patient finance; providing temporary use of online non-downloadable software for facilitating and servicing loans; software as a service (SaaS) services featuring software for use in matching borrowers and investors; electronic storage of data and electronic storage of electronic communication for use in matching borrowers and investors; providing temporary use of online non-downloadable software for inquiring, applying, obtaining loan options and interest rates, assessing risks, determining credit scores, and calculating loan payments; providing temporary use of online non-downloadable software for scheduling, facilitating and processing loan payments; software as a services (SaaS) services featuring software for business and consumer analysis and lending in the fields of patient and education financing services; providing temporary use of online non-downloadable software for facilitating patient loan applications, and processing loan payments; providing a website featuring technology that enables borrowers and investors to inquire and obtain loan and investing options and loan performance information; providing temporary use of online, non-downloadable software for integrating loan origination systems and enabling financial institutions and its customers to originate and pass through applications for certain consumer loans and consumer credit