this specification discloses a method and article of manufacture transformed during the method to help keep lenders maintain the financial relationship with the buyer after the buyer has left the lender &# 39 ; s contact . the method disclosed is based upon a lender issuing a coupon to buyer to take to a seller , the coupon indicating to the seller that the buyer has at least inquired about a loan and may even be pre - approved for a loan to buy goods from the seller . after the buyer inspects the seller &# 39 ; s goods , and hopefully purchases the goods with funds from the lender , the coupon is then validated and redeemed to the buyer . the buyer receives a redemption item corresponding to the level of the transaction with the highest redemption value corresponding to purchasing the goods from the seller with funds by the lender .