Using commercial share of wallet in private equity investments

A system comprising:

• a processor for estimating spending capacity of a company;
• a tangible, non-transitory memory communicating with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations of:
• modeling, by the processor, industry spending patterns using individual corporate data and aggregate corporate data creating a model of industry spending patterns;
• determining, by the processor, the total operating expenses of the company;
• identifying, by the processor, cardable operating expenses of the company from the total operating expenses of the company;
• estimating, by the processor, a commercial size of spending wallet of a company based on, at least, the model of industry spending patterns, wherein the commercial size of spending wallet comprises the company's cost of goods sold plus the cardable operating expenses of the company;
• and
• outputting, by the processor, the estimated commercial size of spending wallet.

A tangible, non-transitory computer readable medium comprising instructions stored thereon that, in response to execution by a processor for estimating spending capacity of a company, cause the processor to perform operations of

• modeling, by the processor, industry spending patterns using individual corporate data and aggregate corporate data creating a model of industry spending patterns;
• determining, by the processor, the total operating expenses of the company;
• identifying, by the processor, cardable operating expenses of the company from the total operating expenses of the company;
• estimating, by the processor, a commercial size of spending wallet of a company based on, at least, the model of industry spending patterns, wherein the commercial size of spending wallet comprises the company's cost of goods sold plus the cardable operating expenses of the company;
• and
• outputting, by the processor, the estimated commercial size of spending wallet.