SYSTEMS AND METHODS FOR EVALUATING THE ABILITY OF

专利名称：SYSTEMS AND METHODS FOR EVALUATING

THE ABILITY OF BORROWERS TO REPAYLOANS

发明人：Robert A. Merkle申请号：US12631724申请日：20091204

公开号：US20110137788A1公开日：20110609

专利附图：

摘要：Systems and methods are provided for evaluating the ability of a borrower torepay a potential or existing loan. The systems and methods can use daily cash flows of

the borrower obtained from one or more transaction accounts of the borrower. The cashflows can correspond to a period preceding the time of the analysis, and can include themost recent cash flow information in the transaction account. The cash flows can beadjusted to account for seasonal and day to day variations in the cash flows. The adjustedor non-adjusted cash flows can be trended, and projections of the cash flows can begenerated based on the trends. The projected cash flows can be evaluated to provide anindication of whether the cash flow of the borrower is and will remain sufficient tofacilitate repayment of the loan.

申请人：Robert A. Merkle

地址：Kennett Square PA US

国籍：US

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