1. A method of facilitating a commercial transaction requiring financing by a lending institution, the method comprising: utilizing a memory and one or more processors in a number of computing apparatuses, wherein the one or more processors execute program instructions stored in the memory to perform the method for; receiving, by at least one of the number of computing apparatuses, financing application information via a network from a consumer involved in said commercial transaction, said financing application information including information required to determine whether said consumer is eligible for said financing; determining, by at least one of the number of computing apparatuses, whether said consumer is eligible for said financing based on said financing application information; presenting, by at least one of the number of computing apparatuses, a financing agreement to said consumer over said network, said financing agreement having a physical signature block and a modular electronic signature block appended thereto, where said modular electronic signature block is applicable to a plurality of agreements; obtaining, by at least one of the number of computing apparatuses, an electronic signature from said consumer for said financing agreement via said modular electronic signature block, wherein said electronic signature is a personal identification number that locks said modular electronic signature block so that no further entries may be made to said modular electronic signature block; providing, by at least one of the number of computing apparatuses, a personal identification number authentication code that replaces said personal identification number as authentication for said electronic signature, wherein said personal identification number authentication code is generated simultaneously with obtaining said personal identification number from said consumer; discarding, by at least one of the number of computing apparatuses, said personal identification number after generation of said personal identification number authentication code and using said personal identification number authentication code when said electronic signature authentication is needed; maintaining one or more data files related to the financing agreement and a reference to a template used to create the financing agreement along with the personal identification number authentication code, a document authentication code for the financing agreement, and a specific encryption algorithm used; reproducing a copy of the financial agreement from the maintained data files, template reference, personal identification number authentication code, document authentication code for the financing agreement, and specific encryption algorithm; generating, by at least one of the number of computing apparatuses, a unique transaction identification for said financing in response to determining that said consumer is eligible for said financing; and electronically, by at least one of the number of computing apparatuses, providing said unique transaction identification to said consumer via said network.