Methods, systems and computer program products for targeted and customized marketing to customers and, specifically in some embodiments, customers having a previous relationship with the entity implementing the marketing tool. The embodiments of the invention herein disclosed provide for efficient identification of previous customers based on their current product, service or property and/or their previous, and in some instances, ongoing financial obligation related to the current product, service or property. A replacement product, service or property is identified and a financial transaction proposal, such as a sales or lease proposal, is generated for one or more of the identified previous customers based on customers meeting criteria associated with variable parameters of the proposed transaction.