Providing on-line non-downloadable computer software for financing of consumer goods; Providing temporary use of online non-downloadable software to retailers and consumers to arrange for and facilitate the financing of consumer goods; Platform as a service (PAAS) featuring computer software platforms for retailers and consumers to provide, process, analyze, facilitate, administer and manage financing, lease and lease-purchase transactions for consumer goods; Platform as a service (PAAS) featuring computer software platforms to provide lease-to-own, lease and rent-to-own financing services to merchants and consumers in the field of consumer goods; Providing a secure electronic online system featuring technology that allows retailers and consumers to access lease-purchase, lease-to-own, lease and rent-to-own financing services for consumer goods; Software as a service (SAAS) services featuring computer software for retailers, online retailers and omni channel retailers to provide consumers access to financing, leasing and payment options at a point of sale for consumer goods; Providing temporary use of online non-downloadable software that enables users to apply for financing, conducts risk analysis and provides financing approval or disapproval decisions at a point of sale for consumer goods; Providing a web site featuring technology that enables users to apply for lease-to-own and lease financing to acquire consumer goods from brick and mortar and online retailers; Providing temporary use of on-line non-downloadable software that provides payment options, enables secure commercial transactions, and processes orders in connection with sales and leases of consumer goods; Providing on-line non-downloadable software for storing, managing, reviewing, tracking, analyzing, and reporting data in the fields of lending and financing of consumer goods; Software as a service (SAAS) services featuring software for collecting, processing, analyzing and reporting financial information and data in the fields of lending, and financing of consumer goods; Providing temporary use of online non-downloadable software that allows consumers to access and apply for financing, manage personal information, and make payments in the field of consumer goods; Providing a web site featuring non-downloadable software for retailers and consumers for financing purchases of consumer goods