A credit application and routing system including a central processor having and executing a program and further comprising: data input means for selectively receiving credit application data from respective applicants at remote locations; and routing means for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants; wherein the routing means comprises at least one of: means for sending at least a portion of a credit application to more than one of said remote funding sources substantially at the same time; means for sending at least a portion of a credit application to more than one of said remote funding sources sequentially until a funding source returns a positive funding decision; and means for sending at least a portion of a credit application to a first one of said remote funding sources, and then, after a predetermined time delay, sending to at least one other remote funding source, until one of the funding sources returns a positive funding decision or until all funding sources have been exhausted. view more

The credit application and routing system according to claim 25, wherein the central processor includes means for maintaining user specific data which data controls access to and operation of the routing means and the data input means.