MarketLoan

For investors

Lending, the way banks do it — secured

Banks earn their spread by lending against real security. MarketLoan is building a marketplace where verified accredited investors can fund loans backed by professionally valued, insured, custodied collateral — instead of watching that spread from the outside.

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Creating an account reserves nothing and is not an offer, solicitation, or indication of interest in any securities offering. Verification of accredited status and approval are required before anyone can invest.

MarketLoan is in development and not yet available. Nothing on this page is an offer to sell, or a solicitation of an offer to buy, any security.

  • Backed by collateralEvery loan is designed to be secured by a real, valued asset
  • A lien held by the collateral agentA security interest in the custodied collateral, for the series noteholders
  • Insured, independent valuationCollateral appraised by insured third parties
  • Rule 506(c) offering (planned)Intended for verified accredited investors; in development, not yet offered

The other side of the ledger: collateral is designed to reduce how much is at risk if a loan defaults — it does not eliminate risk or guarantee any return. All investing carries risk, including possible loss of principal. MarketLoan is an early-stage company, and any future investment would remain its obligation. Nothing here is an offer of securities.

Why collateral

What makes these loans different

The collateral underwrites

You don't have to price a stranger's creditworthiness. Every loan is designed to be secured by an asset valued by insured, independent professionals.

Custody before funding

Collateral is intended to be placed with insured custody partners before a loan is funded — it doesn't sit in a borrower's drawer.

A lien held by the collateral agent

A security interest in the custodied collateral is designed to be held by an independent bank collateral agent for the benefit of the series noteholders, and collateral is liquidated through professional channels if a loan defaults.

How it works

Every loan runs the same documented chain

From valuation to resolution, each step is a documented, automated process — the collateral is valued, held, and liened before a dollar moves.

  1. 01

    Insured valuation

    An independent appraiser values the asset — with insured valuation — before any amount is set.

    What this means

    Every loan starts with the collateral, not a credit score: a professional third-party appraisal, carrying insurance, establishes what the asset is worth.

  2. 02

    Insured custody

    The asset moves into professional insured custody. You keep ownership, not possession.

    What this means

    For the life of the loan the pledged asset is held in insured custody. You retain ownership of your asset; you don't keep possession of it while it secures the loan.

  3. 03

    Perfected security interest

    The security interest is designed to be perfected by the collateral agent's possession of the custodied collateral through the funding window.

    What this means

    A UCC-1 is the public financing statement that records a security interest. Here, the collateral agent's possession of the vaulted asset is designed to perfect the interest through the funding window; the per-series UCC-1 is designed to follow at series close — in the collateral agent's name, for the series noteholders.

  4. 04

    Escrow

    Funds move through a fintech-grade escrow bank — never wallet-to-wallet.

    What this means

    Money is handled by a fintech-grade escrow bank, with the security interest held by an independent bank collateral agent for the benefit of the series noteholders — never directly between borrower and investor.

  5. 05

    Servicing

    Scheduled payments are boarded and tracked on a dedicated loan-management system.

    What this means

    Payments are boarded onto a dedicated loan-management system that tracks the schedule and status of the loan over its term.

  6. 06

    Commercially reasonable sale

    On default: a standing alert, as the loan grows large against the collateral's value, serves as the cure; if it passes the set limit, an automatic, objective trigger is designed to begin a commercially reasonable sale, with any surplus returned.

    What this means

    The collateral's value is monitored against a per-class limit for the life of the loan. A persistent alert as the loan nears that limit is designed to serve as the cure — there is no separate demand and no fixed cure period. If the limit is passed, an automatic, objective trigger begins the process — not an instant sale: a formal disposition governed by UCC Article 9 runs, the collateral is sold in a commercially reasonable manner, the series noteholders are paid first, and any surplus after amounts owed is returned to the borrower. The loans are non-recourse. This is the objective covenant, a design still subject to counsel review — never automatic seizure.

The security interest is held by an independent bank collateral agent for the benefit of the series noteholders. BDNs are intended to be offered under Rule 506(c) only to verified accredited investors; they depend on borrower payments and may lose value. This is not an offer.

How investing is intended to work

  1. 1

    Browse collateral-backed loan requests

    Each listing is designed to show the asset behind it, its independent valuation, and the loan terms.

  2. 2

    Choose what to fund

    The plan is to let you fund loans in whole or in part, across the loans you choose.

  3. 3

    Let the collateral do the underwriting

    Loans are designed to be secured by custodied collateral, with the security interest held by an independent collateral agent for the noteholders — so you're backing an asset, not a credit score.

  4. 4

    Receive payments as loans are serviced

    As borrowers repay, payments are designed to flow back to the investors who funded each loan.

Walk through the full process

On the record

Mechanism facts, not marketing metrics

Pre-launch, we publish no performance numbers. What we can state is how the lending chain is designed to work — dated and sourced.

The security interest is designed to be perfected by the collateral agent's possession of the custodied collateral through the funding window.

The per-series UCC-1 public filing is designed to follow at series close — in the collateral agent's name, for the series noteholders.

MarketLoan operating blueprint v1.2 · as of 2026-07-12

Collateral is intended to be placed in insured custody before a loan is funded.

Held by professional custody partners for the life of the loan.

MarketLoan operating blueprint v1.2 · as of 2026-07-04

Funds move through a fintech-grade escrow bank — never wallet-to-wallet.

The security interest is held by an independent bank collateral agent.

MarketLoan operating blueprint v1.2 · as of 2026-07-04

Understand the whole picture

Collateral is designed to reduce how much is at risk if a loan defaults — it does not eliminate risk. Before you ever fund anything, we want you to understand exactly how the structure is designed to reduce your risk and what the risks are.

How the structure reduces risk

The four layers designed to reduce loss severity — valuation, custody, lien, liquidation.

Understand the risks

A plain-English rundown of what can go wrong, including possible loss of principal.

Investor FAQ

Straight answers on structure, eligibility, and what happens on default.

Follow the build

Join the waitlist for product updates as MarketLoan approaches launch. Joining is informational only — it is not an indication of interest in any securities offering and reserves nothing.

Product updates only. No offer, no commitment, unsubscribe anytime.

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