COMPUTER PROGRAM, SYSTEM, AND METHOD FOR PROVIDING A CONSUMER WITH IMMEDIATE ACCESS TO FUNDS VIA A HYBRIDIZED SECURED LINE OF CREDIT

摘要

A hybridized secured credit financial product provides a consumer immediate access to funds corresponding to at least a portion of a line of credit before collateral securing the line of credit is realized. The consumer applies for a secured lined of credit. If approved, the consumer opens a first financial account that is a secured credit account. Collateral to secure the secured credit account is provided via a source of collateral funds, such as a onetime or periodic impending payment, associated with the consumer and deposited into a second financial account associated with the consumer. The consumer is allowed access to at least a portion of the line of credit before the collateral is actually deposited into the second financial account.