Systems and methods for processing commercial financial transactions are provided. In one aspect, a method for processing a commercial financial transaction between a customer and a merchant is provided. The method includes approving a customer for receiving a financing package for engaging in the commercial financial transaction with a merchant, and issuing the financing package to the customer from the originator, wherein the financing package includes a check having a plurality of security features and a security agreement between the customer and the originator. The method also includes entering into a financing agreement between the customer and the originator upon execution of the check and the security agreement, receiving first purchase data from the merchant, performing an initial verification of the commercial financial transaction including comparing stored financing package data to the first purchase data, and processing the commercial financial transaction if the initial verification is satisfied.