Computer software for financial institutions and software companies with a business customer(s) engaged with a commerce platform(s). Providing an application programming interface (API), to an application(s) implemented by a financial institution or software company, to enable its business customer(s) to build software customized for analyzing business customer sales data from the commerce platform(s);, namely, for providing the business customer access to funds and cash advances based on real-time sales data, for enabling the business customer with commerce platform account management through the financial institution's or software company's native computer software platform via the API, for programmatic analysis of the health and risk of the business customer based on the real-time sales data and for providing the business customer with financial reporting and analysis based on the real-time sales data