Using commercial share of wallet to rate business prospects

A system comprising:

• a computer processor configured for financial assessment;
• and
• a tangible, non-transitory computer-readable medium having instructions stored thereon that, in response to execution by the computer processor, cause the computer processor to perform operations comprising:
• modeling, by the processor, industry spending patterns, wherein the modeling is based on cardable operating expenses, a cost of goods sold, operating expenses and a cardable operating expenses ratio, wherein the modeling comprises aggregating tread credit data and company financial statement date;
• and
• estimating, by the processor, a commercial size of spending wallet of a company based on known financial statement data of the company, total known business spending of the company, and the model of industry spending patterns.