Invoice financing and repayment

A method comprising:

• receiving, by a payment processing system, transaction information of transactions performed between a plurality of merchants and a plurality of buyers, wherein a respective computing device is associated with each respective merchant of the plurality of merchants, and an application executable on the respective computing device configures the respective computing device as a POS terminal configured to send the transaction information to the payment processing system, wherein the payment processing system is configured to process payments for the merchants, receive invoices from respective ones of the merchants, and issue a loan amount for one or more of the merchants;
• receiving, by the payment processing system, an indication of a first invoice to be paid by a first merchant;
• providing, to an analytics service, the transaction information received from a first computing device configured as a first POS terminal associated with the first merchant and transaction information of at least one related merchant determined based on at least one of:
• a geographic location related to the first merchant, or a business type related to the first merchant;
• determining, by the payment processing system, using one or more signals received from the analytics service, and based on the transaction information associated with the first merchant and the transaction information of the at least one related merchant, loan eligibility pertaining to the first invoice;
• upon determining the loan eligibility, providing, by the payment processing system, an indication of a loan offer to the first merchant;
• and
• upon receiving an acceptance of the loan offer, initiating, by the payment processing system, a loan amount transfer to an indicated account.

One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors of a payment processing system, configure the one or more processor to perform operations comprising:

• receiving transaction information of transactions performed between a plurality of merchants and a plurality of buyers, wherein a respective computing device is associated with each respective merchant of the plurality of merchants, and an application executable on the respective computing device configures the respective computing device as a POS terminal configured to send the transaction information to the payment processing system, wherein the one or more processors of the payment processing system are configured to process payments for the merchants, receive invoices from respective ones of the merchants, and issue a loan amount for one or more of the merchants;
• receiving an indication of a first invoice to be paid by a first merchant;
• providing, to an analytics service, the transaction information received from a first computing device configured as a first POS terminal associated with the first merchant and transaction information of at least one related merchant determined based on at least one of:
• a geographic location related to the first merchant, or a business type related to the first merchant;
• determining, by the payment processing system, using one or more signals received from the analytics service, and based on the transaction information associated with the first merchant and the transaction information of the at least one related merchant, loan eligibility pertaining to the first invoice;
• upon determining the loan eligibility, providing an indication of a loan offer to the first merchant;
• and
• upon receiving an acceptance of the loan offer, initiating a loan amount transfer to an indicated account.