How it works
From the first request
to the final payment.
See a business loan move from request to repayment, with the lender’s decisions, the borrower’s actions, and JTM Secure’s service at each stage.
One loan, from start to finish
Follow Alder Manufacturing
Example loan. Terms and figures are illustrative.
The same process also supports loans to individuals you know, including family and friends.
01Request
Start with a lending relationship.
Alder Manufacturing needs equipment and working capital for an expansion. Its Patron invites the business to explain the request and how it plans to repay.
Requested amount
$500,000- Equipment deposits and working capital
- Operating cash flow from signed distribution agreements
A request ready for the Patron’s review.
- Lender
- Invites the business and assesses its request and ability to repay.
- Borrower
- Provides business details, the amount, purpose, timing, and repayment source.
- JTM Secure
- Brings Alder’s request and supporting information into one record the Patron can review.
The lender can approve, propose different terms, or decline.
Explore the borrower’s request02Agreement
Turn a decision into agreed terms.
Suppose the Patron offers Alder a five-year, interest-only loan. The documents set out the cost of borrowing and the principal due at the end.
Loan principal, including fees
$500,575- 60 months · Interest-only
- 8.75% Patron interest + 1.50% JTM Secure servicing
- Principal due at maturity
One agreement ready for both parties to sign.
- Lender
- Chooses the amount, interest rate, term, repayment structure, and fee allocation.
- Borrower
- Reviews the costs and repayment obligation, asks questions, and decides whether to accept.
- JTM Secure
- Turns the agreed proposal into documents for both parties to review and sign.
The agreement shows interest, servicing charges, fees, and repayment terms before either party signs.
Explore terms and costs03Funding
Sign, then authorize funding.
Alder would receive the amount requested, with its fees financed as part of the loan. Signing and scheduled repayment authorization must be complete before funding.
Amount Alder would receive
$500,000- $575 in fees added to principal
- Required: signatures and repayment authorization
- Confirm the receiving account and transfer status
A transfer with a recorded amount and status.
- Lender
- Provides the loan capital and authorizes funding through the account process.
- Borrower
- Completes the receiving-account requirements and scheduled repayment authorization.
- JTM Secure
- Brings readiness checks, transfer instructions, and the reported funding status into the loan record.
The transfer status shows the difference between funding submitted and funds received.
How funding works04Repayment
Keep the loan organized through payoff.
Alder plans to repay from operating cash flow. Its loan record would connect each scheduled payment with its status, history, and any questions that need attention.
Estimated monthly payment
$4,275.74- Includes interest and JTM Secure servicing
- $500,575 principal also due at month 60
- Payment history, statements, and payoff records
Repayment records that stay with the loan.
- Lender
- Oversees the loan and reviews requests that need a lending decision.
- Borrower
- Maintains the payment source, makes payments, and raises problems or payoff requests.
- JTM Secure
- Keeps Alder’s schedule, payment history, statements, and support requests together through payoff.
Interest-only payments do not reduce Alder’s principal. A current payoff quote includes the balance and applicable interest due when the loan is repaid.
Review repayment and supportMoney movement
The lender authorizes funding.
Both parties follow its progress.
After signatures and account checks are complete, the lender authorizes the transfer to the borrower’s designated account. Funding instructions and transfer activity stay with the loan.
The funding account has its own provider and account terms. JTM Secure connects the reported transfer status to the loan record, then tracks repayments against the agreed schedule.
Questions about accounts →When something changes
A clear next step when plans change.
A payment fails or the borrower needs more time
The borrower raises the issue from the loan record. JTM Secure follows up and keeps the request with the payment history for review.
The parties want to change the loan
JTM Secure documents the changes once the parties approve them. The current agreement continues to apply until revised terms are agreed.
Explore your role