Software as a Service (SaaS) platform, namely, software and services for use by enterprises and retailers to customize and operate an automated consumer lending platform with integrations to sponsor banks, loan buyers and loan servicers, that processes loan applications and connects customers with providers of financial services or products, namely, loan, credit, financing, and underwriting services and products; Providing temporary use of online non-downloadable software and services for creating a secure electronic online system featuring technology that allows customers of enterprises and retailers to be connected and matched with potential providers of financial services, namely, real-time, point-of-sale loans, lending, and financing options for customer purchases.