Your invitation and judgment
You invite a business or individual into your network. The borrower, called the Member, provides the request and supporting information. You assess their ability to repay and decide whether to proceed.
For lenders
Your capital.
Your lending decision.
Your lender account is called a Patron account. Invite the people or businesses you may lend to, consider their requests, and set the terms you are willing to offer.
For loans to businesses and people you know, including family and friends.
Loan examples
Explore the terms of a loan.
Start with the business example, or explore a personal loan. Adjust the amount, terms, and fees to see how payments and proceeds change. Nothing is sent or funded.
Clear responsibilities
You decide the loan.
We handle the work around it.
Terms you can review and change
Choose the amount, interest rate, term, repayment structure, and fee allocation. Approve, propose different terms, or decline. Agreed terms and required signatures come before funding.
Documentation and authorized funding
JTM Secure prepares the agreement for signature and brings funding instructions into the loan record. Money movement follows the signed terms, account checks, and your authorization.
Before you decide
Understand what each side pays.
Servicing covers scheduled payments, statements, follow-up, and approved changes. The example separates that charge from your interest and shows how fee allocation affects each party.
Explore the costs in the sampleInterest and servicing
In this example, the Member’s payment includes interest at the rate you set plus JTM Secure’s servicing charge. They are shown separately so you can distinguish your interest from the cost of administering the loan.
Preparation and verification fees
Choose who pays document preparation and credit report fees. Fees assigned to the borrower can be deducted from funding or added to principal; the example shows the effect on each amount.
Payment schedule and principal due
The repayment structure determines when principal is due. An interest-only loan leaves a final balloon payment; an amortizing loan repays principal through regular installments.
Ongoing oversight
Stay informed throughout the loan.
Repayment schedules, statements, payment history, documents, and payoff records give you a continuing view of the loan.
When repayment needs attention
JTM Secure follows up on payment issues and records support requests with the loan. You review proposed changes; revised terms require the applicable approvals and documentation.
Lending risk
You bear the lending risk, including late or missed payments and loss of capital. Servicing provides follow-up; it does not guarantee repayment.
Loan details
The details behind your decision.
Explore the choices in the example, then use your loan and service agreements for the details of your arrangement.
Terms, repayment, and costs
Review the purpose and proposed repayment source, principal, interest, servicing charges, fee allocation, and repayment schedule. Consider the final principal payment as well as the regular installments.
Funding and servicing responsibilities
You authorize funding after signing and account checks. Your funding account and servicing agreements describe the providers involved, transfer instructions, and how missed payments are handled.
How funding works →Privacy and access to records
Loan information follows account roles. Borrowers see their own activity; you follow the loans you fund. Sharing records with an advisor requires your authorization.
Privacy notice · Draft →Why AFR appears
The Applicable Federal Rate is a tax reference that can matter for below-market loans. Your CPA or attorney can assess its relevance to your arrangement. JTM Secure does not provide tax advice.
IRS guidance on below-market loans →Getting started
Create your Patron account.
Create your sign-in, then complete identity verification and funding account setup. You choose whether to proceed with each loan.