Systems and methods for private loan creation

Abstract

Examples described herein relate to apparatuses and methods for facilitating automatic anonymous group funding, including but not limited to a provider computing system configured to establish a digital funding group, obtain a set of proposed transactions for at least one member of the digital funding group, and determine that a first user device from the plurality of user devices associated with the digital funding group is associated with a first customer unable to afford at least one proposed transaction. The provider computing system broadcasts a notification to the digital funding group requesting funds, matches funds provider(s) to the funds recipient, generates a funding transaction, provides the terms to the sender(s) and recipient of funds, modifies the terms as needed, and initiates a funds transfer. In some arrangements, a funds artificial intelligence (AI) circuit of the provider computing system is configured to browse the internet and/or mine affiliate/preferred vendor data to identify cost-effective alternatives to the proposed transaction and/or sponsorship opportunities for affiliates/preferred vendors.