---
title: Vaulted Contracts for RMR Lending & M&A | Loyva
description: Unlock faster loans and cleaner M&A with verifiable vaulted contracts, ensuring control and confidence in every transaction. Discover the power of authoritative copies today.
---

Now live in the **DocuSign App Center** · [Read the announcement →](https://loyva.io/blog/loyva-integrates-with-docusign?hsLang=en)

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For Banks & Lenders

# Vaulted contracts you can lend against — and acquire with confidence.

The authoritative copy behind every RMR account: verifiable UCC § 9-105 control that powers faster loans and cleaner M&A.

[Talk to Loyva](https://loyva.io/book-demo?hsLang=en)

The lender's problem

## RMR is great collateral — until you have to verify it.

📄

### Unverifiable originals

An emailed PDF isn't proof of control. Without a verifiable authoritative copy, you discount the advance — or pass.

🐌

### Slow, manual diligence

Confirming ownership across a dealer's book means chasing scattered records — weeks of work per portfolio.

⚖️

### Uncertain perfection

If control isn't cleanly established under UCC §9-105, your security interest is harder to defend.

🔄

### Risky portability

When accounts move or are sold, unclear control makes assignments and transfers slow and contestable.

Loans & M&A

## The vault that powers both sides of the deal.

One authoritative copy per contract — the asset your credit team lends against and your deal team acquires.

💰

### Faster, cleaner loans

Advance against RMR with a verifiable authoritative copy — less diligence, cleaner advances, and stronger perfection.

🤝

### Confident M&A

A vault of tamper-evident, §9-105-controlled contracts defends valuation, transfers control cleanly, and shortens the path to close.

📊

### A portfolio you can trust

Every account's authoritative copy, status, hash, and audit trail in one place — underwrite and monitor at portfolio scale.

By the numbers

## What a vaulted contract is worth.

25–50×

the RMR multiple in M&A — the top of the range needs verifiable contracts

Days

to advance against a vaulted RMR portfolio, not weeks of diligence

One

authoritative copy per contract — the same asset at loan and at sale

UCC § 9-105

## Control your bank can verify — all seven checks, on every contract.

Electronic chattel paper is only fundable when it meets UCC § 9-105. Loyva enforces every requirement automatically, then issues an audit certificate to prove it.

✓

#### Single authoritative copy

Exactly one authoritative version of the record exists — enforced at the vault, never duplicated.

✓

#### Tamper-evident hash

A SHA-256 hash is computed and stored on every signature event, so any change is detectable.

✓

#### Controlling party identified

The party in control is named and confirmed through an accepted custodian permission.

✓

#### All signatories executed

Every required signer has completed and signed the document before it is vaulted.

✓

#### Non-authoritative copies marked

Duplicate copies are clearly identifiable as non-authoritative and stored separately.

✓

#### Record fully executed

The contract reaches a completed status — no partial or pending states counted as final.

✓

#### Audit certificate generated

A signed compliance certificate is produced and stored as verifiable proof of control.

## See how vaulted contracts unlock *loans and M&A.*

[Book a Demo](https://loyva.io/book-demo?hsLang=en)

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