The present application generally relates to a system that includes one or more sensors configured to acquire data representative of a geographic area, including municipal data, vehicular data, utility data, or a combination thereof. The system also includes a processor that receives a request for a loan from a requesting party. The request is associated with a service to be provided to the geographic area. The processor determines a factor for the geographic area based on the data, and the factor is representative of a presence of the service within the geographic area. Additionally, the processor determines a gap associated with the service within the geographic area. The gap is indicative of a perceived desire for the service within the geographic area. Furthermore, the processor determines whether the gap exceeds a threshold value and automatically transfers funds to the requesting party in response to the gap exceeding the threshold value.