Systems and methods for a social syndicate platform for buyers and sellers

A computer-implemented method performed by one or more computing systems, the method comprising:

• receiving, by a social syndicate computing system via a network from a financial institution computing system, financial information from financial accounts managed for a plurality of users including a first user;
• receiving, by the social syndicate computing system via the network from a business computing device associated with a business, one or more parameters relating to a financial health restriction of users restricted from accepting offers of the business;
• analyzing, by the social syndicate computing system, the financial information from the financial accounts to determine a respective value of a financial factor of the plurality of users;
• providing, by a social syndicate platform circuit of the social syndicate computing system, a social syndicate deal platform, wherein providing the social syndicate deal platform includes:
• receiving, by the social syndicate computing system via the network from a device of a second user, a request for syndicated deal offer requiring at least a subset of the plurality of users including the second user to accept the offer in order for the deal to be executed,
• analyzing, by the social syndicate computing system, for at least some of the plurality of users including the first user, the respective value of the financial factor to identify the subset of users, wherein analyzing the respective value comprises:
• calculating, by the social syndicate computing system, the value of the financial factor of the at least some users including the first user, based on one or more of a value of a credit score, liquid asset position, liquidity, asset to debt ratio, current ratio, debt service ratio, saving ratio, set monthly cost, expenditure volatility, and an account balance,
• for the syndicated deal offer, calculating, by the social syndicate computing system, a predicted financial health score of the at least some users including the first user based on one or more of a predicted value of a credit score, liquid asset position, liquidity, asset to debt ratio, current ratio, debt service ratio, saving ratio, set monthly cost, expenditure volatility, and an account balance, wherein the respective predicted financial health score is calculated based on the value of the financial factor, and an acceptance by the respective user of the syndicated deal offer, and
• identifying, by the social syndicate computing system, the subset of users for which to transmit the syndicated deal offer by comparing, for each of the at least some of the plurality of users, the respective predicted financial health score to a predetermined value according to the one or more parameters received from the business computing device, wherein the subset of users includes the first user and the second user;
• transmitting, by the social syndicate computing system via the network to a respective computing device of the subset of users, data corresponding to the syndicated deal offer for display on the respective computing device associated with the subset of users including the first user and the second user;
• receiving, by the social syndicate computing system via the network from the respective computing device of the subset of users, acceptances from at least some of the subset of the plurality of users;
• adjusting, by the social syndicate computing system, the syndicated deal offer based on the one or more parameters received from the business computing device, wherein the one or more parameters include increasing a discount based on a number of users that accept the syndicated deal offer;
• determining, by the social syndicate computing system, the one or more parameters received from the business computing device are met;
• generating, by the social indicate computing system, responsive to determining the one or more parameters received from the business computing device are met, a contract for the subset of the plurality of users that accepted the syndicated deal offer to sign;
• and
• transferring, by the social syndicate computing system, responsive to the subset of the plurality of users signing the contract, funds from a temporary account set up by the financial institution computing system to a business account for the business.