MarketLoan

For investors

How investing is intended to work

MarketLoan is being designed so every loan you could fund is backed by a real, valued, custodied asset — and so you can see that backing before you commit. Here's the process we're building.

  1. 01

    A borrower's asset is valued and taken into custody

    Before a loan is ever listed, the borrower's asset is appraised by an independent, insured valuation partner and placed with an insured custody partner. The loan you'd be funding is backed by an asset that has already been assessed and secured.

  2. 02

    The loan is listed on the marketplace

    You'd browse loan requests, each designed to show the collateral behind it, its independent valuation, the amount requested, and the terms — so you can decide with the full picture in front of you.

  3. 03

    You choose what to fund

    The plan is to let you fund loans whole or in part, spreading across the loans you choose. You're backing specific, collateral-secured loans — not a black-box pool.

  4. 04

    A lien held by the collateral agent

    A security interest in the custodied collateral is designed to be perfected by an independent collateral agent's possession through the funding window, with the per-series UCC-1 filing designed to follow at series close. That's the legal mechanism that puts the collateral to work for the series noteholders if something goes wrong.

  5. 05

    You receive payments as the loan is serviced

    As the borrower repays, payments are designed to flow back to the investors who funded the loan, on a schedule you can see.

  6. 06

    If a loan defaults, the collateral is put to work

    Custodied collateral is designed to be liquidated through professional channels, with the proceeds distributed to the investors who funded that loan. Collateral reduces loss severity — it does not guarantee a full recovery.

The structure

Where the money moves — and who holds the lien

Two separate tracks, by design: money moves through a fintech-grade escrow bank, while the security interest sits with an independent bank collateral agent.

The money path

  1. Investors

    Funding moves in through escrow — never wallet-to-wallet.

  2. Escrow bank

    A fintech-grade escrow bank handles the money at every step.

  3. Borrower

    Loan proceeds reach the borrower from escrow; repayments return the same way.

The security path

  1. Custodied asset

    The pledged asset is held in professional insured custody for the life of the loan.

  2. UCC-1 lien

    The public financing statement that records the security interest — designed to be filed at series close.

  3. Collateral agent

    An independent bank collateral agent holds the security interest for the benefit of the series noteholders.

A BDN is a borrower-dependent note — its payments depend on the specific loan it funds.

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 the investment will be structured

Regulatory posture · planned

The way investors will fund loans — including any securities offered to let you do it fractionally — is in development and intended to be offered under Rule 506(c) of Regulation D, to verified accredited investors only. It is not currently offered, and no offering materials have been issued. Until the offering is made through definitive materials, nothing here is an offer of securities, and we are not soliciting — and will not accept — any indication of interest, money, or other consideration.

How the structure reduces riskUnderstand the risks

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