1. A data storage, extract, transform and load (ETL) system comprising: a data storage device storing intermediate tables; a network interface connecting the system to at least one of a plurality of data sources to extract data; and at least one processor to: extract data from the plurality of data sources, wherein the extracted data includes entity and time data; load the extracted data in analytics record fact tables in the intermediate tables, wherein the analytics record fact tables include fields for the entity and time data and additional fields for other extracted data associated with the entity data; match and link rows of the analytics record fact tables for different data sources that are determined to be for the same entity; execute variable transforms on the linked rows for an entity and for a time period to generate virtual analytical records for the entity; and apply predictive analytics to the virtual analytical records for the entity to predict values for the entity; and load data from the analytics record fact tables and the virtual analytical records and the predicted values in target tables.