Providing temporary use of on-line non-downloadable software to store, manage, track, and analyze loan applications by allowing financial institutions to determine if potential borrowers meet their respective business requirements; on-line non-downloadable software used to store, manage, track, and analyze lead caps, schedules, workflows, track marketing costs, store and report loan performance such as defaults, payments, and return on investment; on-line non-downloadable software used to that allows lenders to create and identify their optimized underwriting models by enabling technical agility across the platform, connecting companies to information for clearer insights, and fostering efficiency through simplified workflows