A method and system for proactively offering financing offers to customers of e-commerce websites are provided. The method includes collecting data related to a customer associated with a customer node, upon identification that a customer logs on to an e-commerce website; generating at least one customer characteristic of the customer based on the collected data; computing an adaptive credit standing of the customer based on the at least one customer characteristic; determining whether the adaptive credit standing meets a credit standing threshold associated with at least one product of interest; and upon determining that the adaptive credit standing meets the credit standing threshold, providing at least one financing offer to the customer associated with the customer node.