Providing temporary use of non-downloadable cloud-based software for enabling users to share access to their debt profile with third party professionals and advisors, for searching debt profiles of debt issuers through internal computerized database, for automated building of financial profile of users, for listing financial obligations grouped by security type, for organizing and disclosing different debt levels to investors, for organizing debt service requirements being principal, interest and interest rate in connection with loans issued by customer, for enabling users to categorize and display payment frequency related to loan obligations, for calculating the present value of cash flow savings achieved by refinancing a maturity of a loan at market interest rates by use of a proprietary algorithm, for providing users with updates regarding the present value savings for maturities of loans, for analyzing and providing reports regarding refunds on the basis of tax-exempt interest rates, for performing, generating and displaying a present value savings analysis based on variable assumptions based on users' input