Platform as a service (PAAS) featuring computer software platforms for managing online factoring agency services, for managing commercial financial transaction data, financial account management, managing data operations, financial reporting, managing accounting features, managing credit information, managing invoice advances, providing loan assistance and related reference information in the field of accounts receivable payments, all for use in connection with software as a service (SAAS); software as a service (SAAS) services featuring analytics software and software for electronic fund transfer, processing credit and debit card payments, and processing electronic check transactions and for providing online underwriting services, all for use in connection with software as a service (SAAS)