Block, Inc.
Distributed system for custom financing

Abstract:

A payment and financing system can determine whether a merchant is eligible for financing for a particular amount. The particular amount can be determined by evaluating previous financial transactions that were conducted by the merchant and other merchants through the payment and financing system. Once a determination is made that the merchant is eligible for the cash advance, the payment system can send a customized offer for financing in the particular amount to the merchant via a merchant computing device. The merchant can accept the offer for the cash advance by sending an acceptance to the payment and financing system, for example, through a financing interface on the merchant computing device. Upon accepting the offer, the merchant is provided the financed amount, for example, in the form of an electronic deposit in a financial account of the merchant.