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Downloadable computer software for use in granting and financing of loans; Downloadable computer software for use in evaluating the credit worthiness of companies and private individuals; Downloadable computer software for financial analysis, credit-risk assessment for commercial lending and commercial credit risk management and measurement; Downloadable computer software which provides predictive analytics for loans and loan portfolios; Downloadable computer software for managing loan applications, for enabling lenders to manage loan applications for on-line prequalifications, and for credit and loan risk management; Downloadable computer programs for business applications in the banking and financial services industries, namely, computer programs for use by lenders that automate loan files processing, management and reporting by means of a local area network or the Internet