Patent attributes
A payment processing system is configured to expose an API to provide financing terms to a financial institution. The payment processing system receives, via the API, a request from the financial institution to calculate financing terms for providing capital to a merchant based on the merchant's financial history with the payment processing system and/or the financial institution. The payment processing system calculates the financing terms including an approved financing amount and repayment terms, which may include a portion of the transaction processed by the payment processing system or the financial institution to be withheld for repayment of the approved financing amount. The payment processing system transmits the financing terms to the financial institution via the API.
