Accounts payable debiting services; accounts receivables financing; bill payment services; bill payment services provided through a website; cash advance services for businesses and merchants; cash and foreign exchange transactions; cash flow services, namely, providing cash to mortgage holders or other notes at a discounted rate in return for ownership of the mortgage or note; clearing and reconciling financial transactions via a global computer network; electronic loan origination services; factoring agencies; factoring agency services; financial services, namely, money lending; loan financing; providing an internet website portal in the field of financial transaction and payment processing services; providing multiple payment options by means of customer-operated electronic terminals; providing working capital; providing working capital financing to small businesses and small business owners