Software as a service (SAAS) services featuring software for compiling financial due diligence information on bank counterparties involved in payment and loan transactions, performing and preparing financial asset verification, compiling and storing financial credit risk information, compiling financial credit ratings, creating and storing financial reports, performing cash flow verification, performing loan and lien verification, judgment verification, performing financial due diligence on bank and financial transaction counterparties involved in banking, lending and financial payment processing