Merchant credit issuance and monitoring systems and methods

A method of extending credit to a merchant, comprising:

• establishing a transaction processing relationship with the merchant, whereby a transaction processor:
• receives credit tickets resulting from purchases by consumers of the merchant's goods or services;
• obtains funds from the consumers;
• and
• remits at least a portion of the funds to the merchant;
• extending credit to the merchant contingent on the transaction processing relationship, wherein extending credit to the merchant includes the right to collateralize funds resulting from the transaction processing relationship, otherwise due the merchant, if the merchant defaults on a payment due in the course of extending credit to the merchant and wherein extending credit to the merchant includes creating an account relating to the merchant;
• receiving account information relating to the account of the merchant;
• and
• evaluating the account information to determine whether to collateralize funds due the merchant resulting from the transaction processing relationship.

A method of extending credit to a merchant, comprising:

• establishing a transaction processing relationship with the merchant, whereby a transaction processor:
• receives credit tickets resulting from purchases by consumers of the merchant's goods or services;
• obtains funds from the consumers;
• and
• remits at least a portion of the funds to the merchant;
• extending credit to the merchant contingent on the transaction processing relationship, wherein extending credit to the merchant includes a right to collateralize funds resulting from the transaction processing relationship, otherwise due the merchant, if the merchant defaults on a payment due in the course of extending credit to the merchant and wherein extending credit to the merchant includes creating an account relating to the merchant;
• receiving transaction processing data relating to the merchant;
• and
• evaluating the transaction processing data to determine whether to collateralize funds due the merchant resulting from the transaction processing relationship.

A method of extending credit to a merchant, comprising:

• establishing a transaction processing relationship with the merchant, whereby a transaction processor:
• receives credit tickets resulting from purchases by consumers of the merchant's goods or services;
• obtains funds from the consumers;
• and
• remits at least a portion of the finds to the merchant;
• extending credit to the merchant contingent on the transaction processing relationship, wherein extending credit to the merchant includes a right to collateralize funds resulting from the transaction processing relationship, otherwise due the merchant, if the merchant defaults on a payment due in the course of extending credit to the merchant and wherein extending credit to the merchant includes creating an account relating to the merchant;
• receiving credit information relating to a proprietor of the merchant;
• and
• evaluating the credit information relating to the proprietor of the merchant to determine whether to collateralize finds due the merchant resulting from the transaction processing relationship.