A system and method facilitating financing for small businesses, including the use of fractional reserve banking, optimizing the reserve required for the financing system based on costs including inventory, payroll, rent, and other bills, billing and payment processing, optimization of timing for supply purchases based on inventory and delivery time for applicable businesses, support for payment plans, business and individual-specific lines of credit, restaurant and employee credit ratings, expense tracking, and optical recognition of scanned bills for scanning bills into a business's account or splitting the bill between parties on the platform. Additionally, system and methods for small business service aggregation and abstraction of economies of scale, comprising a specialized software application operating on a server and communicating with customer devices, business-side devices, delivery service infrastructure, financial system infrastructure, and point-of-sale software, to provide for unified logistical and financial support for small businesses that do not have access to economy-of-scale.
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