Patent attributes
Techniques for optimizing capital loan offers for merchants to maximize a potential benefit of the capital loans to the merchants. A service provider may receive merchant data and/or transaction data from a merchant. The service provider may determine merchant characteristics associated with the merchant based on the merchant data and/or transaction data. The service provider may associate the merchant with a merchant group, based on the merchant characteristics. The service provider may access data corresponding to capital loans previously offered to and/or accepted by merchants in the merchant group, to determine predictive factors of successful loans. Based on the predictive factors, the service provider may generate a capital loan for the merchant with a high probability of positive impact on a merchant business. The service provider may transmit a capital loan oiler to the merchant at a time determined to maximize acceptance and optimize a growth of the merchant business.
