For investors
Four layers, one idea: back the asset, not the credit score
Traditional peer-to-peer lending asked retail investors to price a stranger's creditworthiness. MarketLoan is being built the other way around: the loan is secured by a real asset, so what stands behind your investment is the collateral itself — assessed, held, and, if necessary, sold.
- 01
Independent, insured valuation
Every asset is designed to be valued by an insured professional who is independent of both the borrower and the investors. The loan is sized against that valuation — so the amount at risk is anchored to a real, third-party assessment of the collateral's worth, not the borrower's estimate.
- 02
Insured custody before funding
Collateral is intended to be placed with a professional custody partner, in insured storage, before a loan is funded. The asset backing your loan is under professional control for the life of the loan — not sitting where it could disappear.
- 03
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. The agent holds it for the series noteholders — the legal foundation that lets the collateral be claimed and sold on their behalf if the borrower doesn't repay.
- 04
Professional liquidation on default
If a loan defaults, the custodied collateral is designed to be sold through established, professional channels, with the proceeds distributed to the investors who funded that loan.
What collateral does — and doesn't — do
Collateral is designed to reduce loss severity: if a loan defaults, there is a real, valued asset to sell rather than only a promise to repay. That is a meaningful difference from unsecured lending. It is not, however, a guarantee. Recoveries can fall short of the loan amount, asset values can move, and any investment carries the risk of loss, including loss of principal.
Be first to know
MarketLoan is pre-launch. Join the waitlist and we'll keep you posted as we build.