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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.

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The lender's problem

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

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Unverifiable originals

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

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Slow, manual diligence

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

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Uncertain perfection

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

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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.

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Faster, cleaner loans

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

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Confident M&A

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

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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.

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