US Patent 10062109 Systems and methods for financing merchant business needs

A payment system can determine when a business need for a merchant is expected to occur. The payment system can also determine whether the merchant is eligible for financing for a financing amount. Once a determination is made that the merchant is eligible for the financing, the payment system can send the merchant a notification describing the expected business need along with an offer for the financing, which may be presented in an interface on a merchant device. The merchant can accept the offer for the financing by sending an acceptance to the payment system. Upon accepting the offer, the merchant is provided the financing amount, for example, in the form of an electronic deposit in a financial account of the merchant.