Software as a service (SAAS) services featuring software for compiling financial due diligence information involved in payment and loan transactions, performing financial asset verification, performing cash flow verification, performing lien and judgment verification, calculating financial credit risk information, creating financial reports, and performing financial due diligence on bank and financial transaction counterparties involved in banking, lending and financial payment processing; Software as a service (SAAS) services featuring software for financial due diligence information on bank counterparties involved in payment and loan transactions, financial asset verification, financial credit risk information, financial credit ratings, cash flow verification and which cannot be used for database management; certifying borrower or lenders with a financial profile or lending profile; Financial securities exchange services for loans; Arranging and provision of credit and loans; lead generation for loans or qualified loans