Included:<\/strong>- The parties<\/li>
- The amount, interest rate, maturity, and repayment<\/li>
- The collateral<\/li>
- What the borrower must report and how often<\/li>
- Which negative covenants apply<\/li>
- The governing law and forum<\/li>
- The facts the documents must recite (financial statements, closing date)<\/li><\/ul><\/td>
Everything in Simplified, plus:<\/strong>- Financial covenants and their definitions<\/li>
- Mandatory prepayments and reinvestment<\/li>
- The debt, lien, investment, and distribution baskets and their caps<\/li>
- The qualifiers on each representation and covenant<\/li>
- Change of control<\/li>
- Indemnity and expenses<\/li>
- The closing conditions in detail<\/li><\/ul><\/td>
Everything in Moderate, plus the questions that unlock the complex structures:<\/strong>- A syndicate and its agent<\/li>
- Letters of credit and a swingline<\/li>
- A junior lien behind a first-lien loan<\/li>
- Acquisition financing<\/li>
- Defeasance<\/li>
- Arbitration<\/li>
- A borrower outside the United States, or a sovereign<\/li><\/ul><\/td><\/tr><\/table>
What is not asked takes the firm's standard position.<\/strong> On Simplified that is grace and cure periods, default interest, notice mechanics, the loan-document and defined-term set, the representation and covenant qualifiers, the permitted-debt and lien baskets and their caps, cross-default and judgment thresholds, and indemnity and expenses, with no financial covenants. On Moderate it is the complex structures listed under Advanced. On Advanced, nothing.<\/p>","data_source":"navigational","key":"fld_hh44ZpxQ5Joxm2ms"},"loan_complexity":{"type":"radiogroup","label":"How much detail should the loan documents ask for?","items":[{"value":"simplified","label":"Simplified: the essential terms only; the firm's standard position on everything else","key":"fld_9lxm4XHi5Iu4PwUN"},{"value":"moderate","label":"Moderate: adds the terms a negotiated mid-market loan usually carries","key":"fld_29ePdApRpYS9SJL7"},{"value":"advanced","label":"Advanced: every term the documents can carry, including the structures only a complex credit needs","key":"fld_8nWdIYQRyIlmG0ol"}],"default":"simplified","rules":["required"],"data_source":"user","purpose":"The complexity tier (Product Owner, 2026-09-10, FINDINGS item 4; form-schema-standards \u00a713.8 rule 6). Gates page sets on Loan Terms and Loan Agreement: a moderate page carries loan_complexity == moderate OR == advanced; the questions that unlock the advanced structures (lender structure, letters of credit, swingline, lien priority, dispute mechanism, cross-border profile, acquisition financing, defeasance) carry == advanced. Every value a hidden page would have collected is supplied by the product's default-injection transformation from the field's own schema default or references\/house-defaults.json, so the document never prints a hole. Raising the tier later reveals the pages; nothing already answered is lost.","key":"fld_dTEftF9tWRp1aPfT"},"LXS_LENDERS":{"type":"static","content":"Lender Structure<\/h2>","data_source":"navigational","key":"fld_OOqklYjNEv4283YB"},"set_loan_lender_structure":{"type":"radiogroup","label":"Is one lender extending the credit, or a syndicate?","items":[{"value":"bilateral","label":"One lender, which deals with the borrower directly"},{"value":"syndicated","label":"A syndicate, which acts through an administrative agent"}],"rules":["required"],"data_source":"user","key":"fld_rLRCgTFUIHYodmx0","purpose":"The set_ input of the loan_lender_structure pair (form-schema-standards \u00a714.3.4): asked only when a loan agreement is in the instrument set; the canonical forces bilateral otherwise. Structural master dimension (baseline \u00a75.10). Gates the agency and assignment articles and drives $agent_term, $lender_term, $sca_secured_party_term and $gty_guarantor_term.","description":"On a bilateral loan the borrower deals with one lender for everything, including any later amendment. On a syndicated loan an administrative agent advances the loans, collects and distributes payments, administers the loan, and speaks to the borrower for the lenders."},"LXS_FACILITY":{"type":"static","content":"Loan Type<\/h2>","data_source":"navigational","key":"fld_7ZlWnsKMW2394Mnh"},"loan_facility_shape":{"type":"radiogroup","label":"What kind of loan is this?","description":"A demand loan is payable whenever the lender asks. It has no maturity date, payment schedule, grace period, or events of default; a note that carries any of those terms can be read as a term loan instead.","items":[{"value":"term","label":"Term loan, advanced once and repaid on a fixed schedule by a maturity date"},{"value":"revolving","label":"Revolving loan, borrowed, repaid, and borrowed again up to a limit until the facility ends"},{"value":"line_of_credit","label":"Line of credit, drawn as needed, with the lender usually free to decline an advance or cancel the line"},{"value":"term_revolving","label":"Term loan with a revolving loan, both under one loan agreement"},{"value":"demand","label":"Demand loan, due as soon as it is made, with no maturity date or payment schedule"}],"default":"term","rules":["required"],"data_source":"user","purpose":"The ONE loan-shape question (Product Owner, 2026-09-11: 'I would expect those to be alternate choices'). The five values are the shapes the documents can render: the agreement carries a term loan, a revolving loan, or both (loan_facility_term_tf \/ loan_facility_revolving_tf); a line of credit is a revolver to the agreement and differs from it only in the note's advances clause (PN-018(b)); demand replaces the note's repayment clause with PN-017 and has no maturity. A term loan with a line of credit collapses to term_revolving, losing only PN-018(b)'s netting sentence. Replaces loan_facility_types (checkbox group, 2026-09-11 morning, retired the same day) and, before it, the set_loan_facility_* pair and the user-asked loan_note_facility.","key":"fld_Hs3mQ7vXc2kNpR8w"},"loan_note_facility":{"type":"select","items":[{"value":"term","label":"Term loan, repaid on a fixed schedule","key":"fld_SlKDvX4SeuEQRopm"},{"value":"revolving","label":"Revolving loan, repaid and reborrowed","key":"fld_G3vjDVTjAKuiSerh"},{"value":"demand","label":"Demand loan, payable whenever the lender asks","key":"fld_ePO57pyAhjQkUXL7"},{"value":"line_of_credit","label":"Line of credit, drawn as needed","key":"fld_pZXXfGjBE1Lf5Hy7"}],"key":"fld_V5NUVKOOKGzuZsNp","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_facility_shape == 'demand' %}demand{% elif loan_facility_shape == 'line_of_credit' %}line_of_credit{% elif loan_facility_shape == 'revolving' or loan_facility_shape == 'term_revolving' %}revolving{% else %}term{% endif %}"},"purpose":"PN-003, PN-017 and PN-018: the note's facility shape, CALCULATED from loan_facility_shape (2026-09-11; the note never disagrees with the loan agreement). term_revolving -> revolving, because under an agreement PN-003 defers repayment to the agreement and only the advances clause reads this. Items kept for the condition-domain audit; key preserved."},"loan_lc_sublimit_tf":{"type":"radiogroup","label":"Does the revolving loan include a letter of credit sublimit?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"rules":["required"],"data_source":"user","key":"fld_wtrUy58fig3lSHDR","conditions":[["loan_complexity","==","advanced"],["loan_facility_revolving_tf","==","Yes"]],"description":"A letter of credit sublimit is part of the revolving loan, not an addition to it. Each letter of credit outstanding reduces what is left to borrow.","info":"The letters of credit issued under this facility are standby letters of credit, issued by the lender for the borrower's account."},"loan_swingline_tf":{"type":"radiogroup","label":"Does the revolving loan include a swingline?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"rules":["required"],"data_source":"user","key":"fld_BiMuSSZ36yeCqfTF","conditions":[["loan_facility_revolving_tf","==","Yes"],["loan_lender_structure","==","syndicated"]],"description":"A swingline is a part of the revolving loan, not an addition to it. One lender funds swingline loans on short notice, and they are repaid within days, or as soon as the borrower takes a revolving loan."},"LXS_COLLATERAL":{"type":"static","content":"Collateral<\/h2>","data_source":"navigational","key":"fld_WjVfYmQOWYh5sn6U"},"loan_collateral_scope":{"type":"radiogroup","label":"What personal property does the security interest cover?","items":[{"value":"all_assets","label":"Substantially all of the borrower's personal property, apart from anything the parties agree to exclude"},{"value":"enumerated","label":"Specific classes of personal property, listed below"}],"rules":["required"],"data_source":"user","key":"fld_Cv4WBBagnMY5S1dG","description":"Even where the security interest covers substantially all personal property, the security agreement lists the classes of property it reaches. A grant that says only 'all assets' does not identify the collateral well enough. The financing statement may still use an all-assets description.","conditions":[["loan_secured_tf","==","Yes"]]},"loan_collateral_classes":{"type":"checkboxgroup","label":"Collateral Classes","items":[{"value":"accounts","label":"Accounts and receivables, rights to payment the business has earned from its customers","key":"fld_zWKJJY4iEayDc7cn"},{"value":"inventory","label":"Inventory, the goods held for sale or lease rather than for use in the business","key":"fld_lQfTEVkqs5ZO4jcB"},{"value":"equipment","label":"Equipment, the goods the business uses to operate; the catch-all class of goods","key":"fld_1DMZSIbyyeH2s6G7"},{"value":"documents","label":"Documents of title, papers such as a warehouse receipt that stand for goods held by someone else","key":"fld_CrETZuRyEqmUK7sf"},{"value":"instruments","label":"Instruments and promissory notes, written promises to pay that can be handed on to another holder","key":"fld_n1PJiJJWelXr2Md0"},{"value":"chattel_paper","label":"Chattel paper, records combining a customer's promise to pay with a security interest in the goods, such as an equipment lease","key":"fld_Q9vNVME7tkW2qHGy"},{"value":"lc_rights","label":"Letter-of-credit rights, a right to payment under a letter of credit held by someone other than its beneficiary","key":"fld_Ns6s9ndW4wqQmqHv"},{"value":"investment_property","label":"Investment property, investments such as stocks and bonds, and the accounts that hold them","key":"fld_V8wkT7Xol0O0EPKG"},{"value":"deposit_accounts","label":"Deposit accounts, accounts kept at a bank, but not investment accounts","key":"fld_5ftNsLKCZWV9VWFi"},{"value":"general_intangibles","label":"General intangibles, the catch-all class covering contract rights, insurance policies, intellectual property, and digital assets","key":"fld_m3Iy1XnDsJAIpSCX"}],"rules":["required"],"data_source":"user","description":"Select every class the security interest reaches. The financing statement's collateral indication is built from the same selection, so a class left out here is left out of the filing. The security interest reaches the identifiable proceeds of each class automatically, whether or not proceeds are selected.","purpose":"SCA-002's enumerated grant limbs, PRF-001 to PRF-005's perfection steps and PRF-008's collateral indication on the UCC-1 sheet. Ten values, matching the ten the composed templates test with |includes:; the four collateral facts that drive a schedule or a perfection step rather than only a grant limb are asked separately on the Special Collateral page. Moved from the Security Agreement form to Loan Setup on 2026-09-11 (Product Owner: 'it isn't clear to a first-time user where this collateral form lives'); the Security Agreement receives it as a mapped receiver. The Security Agreement page that asked it was gated on the value 'classes', which the scope question never emitted, so the enumerated path had never run.","key":"fld_CJOixX2BofcxEvL7","conditions":[["loan_collateral_scope","==","enumerated"]]},"set_loan_lien_priority":{"type":"radiogroup","label":"What is the lender's lien priority?","items":[{"value":"first","label":"First priority"},{"value":"junior","label":"Junior to an existing first lien"}],"rules":["required"],"data_source":"user","key":"fld_1FRWJDffj4rdeFbM","description":"Priority decides which lender's security interest is satisfied first out of the same collateral. A junior lien ranks behind a first lien already in place, and the documents are drawn to sit behind it.","conditions":[["loan_complexity","==","advanced"],["loan_secured_tf","==","Yes"]],"purpose":"The set_ input of the loan_lien_priority pair (form-schema-standards \u00a714.3.4; the complexity tier, 2026-09-10): asked on the advanced tier; the canonical forces 'first' otherwise."},"loan_real_property_profile_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"data_source":"calculated","key":"fld_dRdY9Dy8PL3YUwpn","visibility":"hidden","calculation":{"value":"{% if loan_collateral_tf == 'Yes' and loan_collateral_types and 'real_property' in loan_collateral_types %}Yes{% else %}No{% endif %}"},"purpose":"Yes when real property is among the collateral types (calculated from loan_collateral_types since 2026-09-11, key preserved; it was a user question). Adds the real property terms to the loan documents, the Security Instrument to the Loan Documents definition, and makes the financing statement a fixture filing. A mortgage or deed of trust is prepared outside this engagement until PRD-117 ships it."},"LXS_BORROWER":{"type":"static","content":"Borrowers<\/h2>","data_source":"navigational","key":"fld_TeQ9o94V5NFio1JM"},"borrowers_lxrl":{"type":"crm","label":"Borrowers","role":"borrower","crm_form_key":"cfm_YuR2KUxFqoj3xGXXEd1ab","multiple":true,"allow_create":true,"display_mode":"table","add_label":"Add Borrower","empty_message":"Add each borrower.","stakeholder_filters":{"type":"individual,organization,trust"},"data_source":"user","key":"fld_mGPmwb4VrRWPNjqZ","purpose":"ONE list for the role (Product Owner, 2026-09-11, TM-2319; the deed's grantors_lxrl is the canon). StakeholderRolesRule derives borrowers_name_long_list (the preamble), borrowers_name_short_list, borrowers_signatures and borrowers_acknowledgments; the type flags below are form calculations over the list, as the deed's grantee_trust_tf is. Replaces the borrower_lxrl (single) + borrowers_lxrl (co-makers) split of 2026-09-06.","description":"Every borrower. The documents name each one and, where there is more than one, bind them jointly and severally.","rules":["required"]},"LXS_LENDER":{"type":"static","content":"Lenders<\/h2>","data_source":"navigational","key":"fld_lDSFYig9lE7HnUYg"},"lenders_lxrl":{"type":"crm","label":"Lenders","role":"lender","crm_form_key":"cfm_YuR2KUxFqoj3xGXXEd1ab","multiple":true,"allow_create":true,"display_mode":"table","add_label":"Add Lender","empty_message":"Add each lender.","stakeholder_filters":{"type":"individual,organization,trust"},"data_source":"user","key":"fld_QY20Xsc9pJrdaxvA","rules":["required"],"purpose":"ONE list for the role (TM-2319). On a bilateral loan the single entry is the Lender; on a syndicated loan these are the syndicate members and agent_lxrl is the Administrative Agent. Derives lenders_name_long_list, lenders_signatures and the lenders schedule.","description":"Every lender. On a syndicated loan, every member of the syndicate; the administrative agent is added below.","info":"A syndicate's membership can change after closing, so the collateral documents name the agent rather than every lender."},"agent_lxrl":{"type":"crm","label":"Administrative Agent","role":"lender","crm_form_key":"cfm_YuR2KUxFqoj3xGXXEd1ab","multiple":false,"allow_create":true,"display_mode":"table","add_label":"Add Administrative Agent","empty_message":"Add the administrative agent.","stakeholder_filters":{"type":"individual,organization,trust"},"data_source":"user","key":"fld_Ag7kQ2wLmN9xPvRt","purpose":"A genuinely singular role (like the deed's preparer_lxrl), so non-repeating: SingleContactFlattenRule emits agent_name_full, agent_name_long, agent_signatures and the notice fields the agency article and the notices clause read. Syndicated only; on a bilateral loan the Lender is the only lender and $agent_term renders 'Lender'.","description":"The lender that acts as administrative agent for the syndicate. The agent advances the loans, collects and distributes payments, administers the loan, and deals with the borrower for the lenders. On a secured loan the same lender usually acts as collateral agent.","conditions":[["loan_lender_structure","==","syndicated"]],"rules":["required"]},"lender_financial_institution_tf":{"label":"Is the lender a bank or another regulated financial institution?","description":"Answering Yes keeps the terms that exist because a regulated lender answers to bank examiners, capital rules, and customer-identification laws: the increased-cost and capital-adequacy protection, the Federal Reserve pledge, the customer-identification conditions and notice, the right to charge the borrower's deposit accounts, and the bank-examiner exceptions to confidentiality. A loan from an individual, a family company, or an affiliate answers No, and none of those terms appears.","default":"Yes","rules":["required"],"data_source":"user","purpose":"Lender-profile driver (PRD-164 Step 6, 2026-09-21): gates every bank-lender provision in the set. Registry: YP-004, ASP-006, GP-017, CLS-006 (KYC condition), COV-008, COV-018, ASP-001, ASP-003, YP-003, YP-006, CNF-013 (bank-examiner exceptions), COV-023 and COV-024 (the bank-guarantee, bankers' lien and bankers' acceptance baskets), CKL-007, PRF-001; form gates on lender_depository_tf, loan_bo_certification_required_tf and sca_secure_cash_management_tf. Default Yes because the source set is institutional lending paper and the regression profiles exercise those provisions.","type":"radiogroup","items":[{"value":"Yes","label":"Yes","key":"fld_Jjh3KBQnANrELxtB"},{"value":"No","label":"No","key":"fld_Jepe0ZP9boblcKiT"}],"inline":true,"key":"fld_edXCwjbg1H0GPLHT"},"LXS_GUARANTOR":{"type":"static","content":"Guarantors<\/h2>","data_source":"navigational","key":"fld_C1O0Lmz3SAOOEVGS"},"guarantors_lxrl":{"type":"crm","label":"Guarantors","role":"guarantor","crm_form_key":"cfm_YuR2KUxFqoj3xGXXEd1ab","multiple":true,"allow_create":true,"display_mode":"table","add_label":"Add Guarantor","empty_message":"Add each guarantor.","stakeholder_filters":{"type":"individual,organization,trust"},"data_source":"user","key":"fld_bo8mVEdyjnE33jWX","conditions":[["loan_guaranteed_tf","==","Yes"]],"description":"Every guarantor. A lender often requires the borrower's parent and its subsidiaries to guarantee the loan, and sometimes to grant a security interest over their own property as well.","rules":["required"],"purpose":"ONE list for the role (TM-2319). Derives guarantors_name_long_list, guarantors_signatures, guarantors_acknowledgments and guarantors_spousal_consent_signatures."},"LXS_GRANTOR":{"type":"static","content":"Grantors<\/h2>","data_source":"navigational","key":"fld_GA8fTCH8RXwLEHRs"},"grantors_lxrl":{"type":"crm","label":"Grantors","role":"grantor","crm_form_key":"cfm_YuR2KUxFqoj3xGXXEd1ab","multiple":true,"allow_create":true,"display_mode":"table","add_label":"Add Grantor","empty_message":"Add each grantor.","stakeholder_filters":{"type":"individual,organization,trust"},"data_source":"user","key":"fld_qZtaYqNtSlAce3qG","conditions":[["loan_secured_tf","==","Yes"]],"description":"Every party other than the borrowers that grants a security interest. Each one signs the security agreement, and the recitals record the benefit it receives from the financing.","rules":["required"],"purpose":"ONE list for the role (TM-2319). Derives grantors_name_long_list, grantors_signatures and grantors_acknowledgments (the notary battery on the collateral documents)."},"LXS_SECURED_PARTY":{"type":"static","content":"Secured Party<\/h2>","data_source":"navigational","key":"fld_blPLkaNvpzGFc5a9"},"secured_party_lxrl":{"type":"crm","label":"Secured Party","role":"secured_party","crm_form_key":"cfm_YuR2KUxFqoj3xGXXEd1ab","multiple":false,"allow_create":true,"display_mode":"table","add_label":"Add Secured Party","empty_message":"Add the secured party.","stakeholder_filters":{"type":"individual,organization,trust"},"data_source":"user","key":"fld_6FtklevHF6810fGs","rules":["required"],"conditions":[["loan_secured_tf","==","Yes"]],"description":"{% if loan_lender_structure == 'syndicated' %}The party the security interest runs to. Where several lenders advance the money, they usually name a collateral agent to take and hold the security interest for all of them.{% else %}The party the security interest runs to, and the only party that may enforce it against the collateral.{% endif %}"},"loan_lien_priority":{"type":"radiogroup","items":[{"value":"first","label":"First priority"},{"value":"junior","label":"Junior to an existing first lien"}],"key":"fld_ADhUjB8hNWQLhjU6","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if set_loan_lien_priority %}{{ set_loan_lien_priority }}{% else %}first{% endif %}"},"purpose":"Canonical of the set_loan_lien_priority pair: the user's answer on the advanced tier, 'first' on every other tier. Every consumer reads this name."},"loan_facility_term_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"data_source":"calculated","key":"fld_brKu72ZJrYzTgt8V","visibility":"hidden","calculation":{"value":"{% if loan_facility_shape == 'term' or loan_facility_shape == 'term_revolving' %}Yes{% else %}No{% endif %}"},"purpose":"Yes when the loan shape includes a term loan (loan_facility_shape term or term_revolving). Gates the term-loan pages on Loan Terms and Loan Agreement and the term-loan clauses. Key preserved through the 2026-09-11 recuts."},"loan_facility_revolving_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"data_source":"calculated","key":"fld_j1vuyhoxWmf3QepG","visibility":"hidden","calculation":{"value":"{% if loan_facility_shape == 'revolving' or loan_facility_shape == 'line_of_credit' or loan_facility_shape == 'term_revolving' %}Yes{% else %}No{% endif %}"},"purpose":"Yes when the loan shape includes a revolving loan or a line of credit (loan_facility_shape revolving, line_of_credit or term_revolving). For the agreement's gates a line of credit is a revolver; the note distinguishes them in PN-018(b). Key preserved."},"loan_note_secured_tf":{"type":"radiogroup","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_note_structure == 'stand_alone' %}{{ loan_collateral_tf }}{% else %}No{% endif %}"},"key":"fld_tmhBl8dnmLNGysaE","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"purpose":"The NOTE-level security flag: on a stand-alone note, Yes when any collateral secures the loan (loan_collateral_tf, since 2026-09-11: a real-property-only note is secured). $loan_documents_term renders 'this Note and the Security Documents' when true and 'this Note' when false; on a with-agreement note the security documents are named by the agreement, so the note itself is not the secured instrument."},"loan_security_definitional_parent":{"type":"text","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_note_structure == 'with_agreement' %}loan_agreement{% else %}note{% endif %}"},"key":"fld_SvEuAbNwHDUkXAbp","purpose":"Derives $sca_parent_term ('the Loan Agreement' \/ 'the Note' \/ 'the Purchase Agreement'). The purchase-agreement value is set by the Business Acquisition seller-financing path, which reuses these documents."},"loan_rep_scope":{"type":"text","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_note_structure == 'stand_alone' %}borrower{% elif loan_guaranteed_tf == 'Yes' %}loan_parties{% else %}borrower_subs{% endif %}"},"key":"fld_vCTnBfq78CMUbpgm","purpose":"Derives $loan_rep_party_term, $loan_rep_group_term, $loan_rep_loan_parties_tf and $loan_rep_subsidiaries_tf (RW head note's four values)."},"loan_cov_scope":{"type":"text","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_note_structure == 'stand_alone' %}borrower{% elif loan_guaranteed_tf == 'Yes' %}loan_parties{% else %}borrower_subs{% endif %}"},"key":"fld_yCfXKf4WcnP8bLgS","purpose":"Derives $loan_cov_group_term (COV head note)."},"borrower_multiple_tf":{"type":"radiogroup","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if borrowers_lxrl | length > 1 %}Yes{% else %}No{% endif %}"},"key":"fld_nSuoLTgla8k2RnDU","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"purpose":"True when the loan has co-makers; drives PN-001's joint and several promise. Since 2026-09-11 the role is ONE list, so 'multiple' means more than one entry (TM-2319)."},"loan_grantor_multiple_tf":{"type":"radiogroup","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_secured_tf == 'Yes' and loan_grantor_third_party_tf != 'Yes' %}{% if borrowers_lxrl | length > 1 %}Yes{% else %}No{% endif %}{% else %}{% if grantors_lxrl | length > 1 %}Yes{% else %}No{% endif %}{% endif %}"},"key":"fld_59o3XuTWe6virF4M","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"purpose":"More than one grantor. When the grantors are the borrowers (no third-party grantor, CLDRV-0301), the borrower count decides; otherwise the Grantors page's list does."},"loan_guarantor_org_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"key":"fld_Go6vBc9sQpU4xWah","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if (guarantors_lxrl | where('type','Organization') | length) + (guarantors_lxrl | where('type','organization') | length) > 0 %}Yes{% else %}No{% endif %}"},"purpose":"Yes when any guarantor is an organization (GTY-009 organization limb, GTY-010\/011 fiscal-year form)."},"loan_guarantor_individual_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"key":"fld_Gi5uAb8rPoT3wVzg","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if (guarantors_lxrl | where('type','Individual') | length) + (guarantors_lxrl | where('type','individual') | length) > 0 %}Yes{% else %}No{% endif %}"},"purpose":"Yes when any guarantor is an individual (GTY-008, GTY-009 individual limb, GTY-016 spousal consent, the calendar-year reporting form)."},"loan_guarantor_trust_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"key":"fld_Gt4tZa7qOnS2vUyf","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if (guarantors_lxrl | where('type','Trust') | length) + (guarantors_lxrl | where('type','trust') | length) > 0 %}Yes{% else %}No{% endif %}"},"purpose":"Yes when any guarantor is a trust (GTY-009 trust limb)."},"loan_borrower_org_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"key":"fld_Bo3sYz6pNmR1uTxe","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if (borrowers_lxrl | where('type','Organization') | length) + (borrowers_lxrl | where('type','organization') | length) > 0 %}Yes{% else %}No{% endif %}"},"purpose":"Yes when any borrower is an organization. Gates the organizational-documents limbs (RW-015, LCM-002) and lcm_single_purpose_tf on the Commitment Letter form."},"loan_borrower_individual_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"key":"fld_Bi2rXy5oMlQ0tSwd","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if (borrowers_lxrl | where('type','Individual') | length) + (borrowers_lxrl | where('type','individual') | length) > 0 %}Yes{% else %}No{% endif %}"},"purpose":"Yes when any borrower is an individual. Gates the individual limbs of RW-001\/002 and the death event of default (PN-008)."},"loan_borrower_trust_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"key":"fld_Bt1qWx4nLkP9sRvc","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if (borrowers_lxrl | where('type','Trust') | length) + (borrowers_lxrl | where('type','trust') | length) > 0 %}Yes{% else %}No{% endif %}"},"purpose":"Yes when any borrower is a trust. Gates the trust representations (RW-001\/002\/015 trust limbs) and loan_rw_trust_consents_tf on Loan Terms. Form calculation over the list, the deed's grantee_trust_tf pattern (TM-2319); both the browser's and the pipeline's type vocabularies are tested."},"loan_borrower_multiple_tf":{"type":"radiogroup","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if borrowers_lxrl | length > 1 %}Yes{% else %}No{% endif %}"},"key":"fld_eJ1yThF711MLh9qq","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"purpose":"Drives the additional-borrower signature loop on the Loan Agreement, the Note, the Commitment Letter acceptance, the Amendment and the Waiver Letter (Product Owner, 2026-09-09: all borrowers sign; the mirror of loan_guarantor_multiple_tf). Since 2026-09-11 the role is ONE list, so 'multiple' means more than one entry (TM-2319)."},"loan_guarantor_multiple_tf":{"type":"radiogroup","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if guarantors_lxrl | length > 1 %}Yes{% else %}No{% endif %}"},"key":"fld_hq8cIsC2azC4REF7","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"purpose":"Drives $gty_guarantor_term \/ $gty_guarantor_any_term and the several-cap shares schedule. Since 2026-09-11 the role is ONE list, so 'multiple' means more than one entry (TM-2319)."},"notary_state_st":{"type":"text","visibility":"hidden","data_source":"calculated","calculation":{"value":"{{ loan_governing_law_st }}"},"purpose":"The platform's notary-state selector (InternalRulesService::addNotaryFields and StakeholderRolesRule::formatAcknowledgments read notary_state_st, ENG-084). Set from the governing-law state, the estate-planning precedent's shape (= ep_state_st); the IP short form's recordation acknowledgment (IPC-009) renders the per-state statutory certificate from it when ipc_notarize_tf is Yes (PRD-114 finding 211).","key":"fld_iEfgle7kYmXo6bhF"},"loan_note_structure":{"type":"radiogroup","items":[{"value":"with_agreement","label":"A loan agreement with a promissory note"},{"value":"stand_alone","label":"A stand-alone promissory note only"}],"key":"fld_muWrpuk7zC2OxRQT","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_document_structure == 'note_only' %}stand_alone{% else %}with_agreement{% endif %}"},"purpose":"Master structural driver, CALCULATED from loan_document_structure since v45 (2026-09-12; before that from the retired loan_instrument_set): stand_alone when the note carries the whole loan, else with_agreement. Every template, page gate, pipeline condition and the note's thirteen binds read it."},"loan_promissory_note_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"key":"fld_tV09i9ljH5aTPNsg","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_document_structure == 'agreement_only' %}No{% else %}Yes{% endif %}"},"purpose":"Yes unless the loan is documented by a loan agreement alone (loan_document_structure, v45). Gates the Promissory Note step and the note template's applicability."},"loan_secured_tf":{"type":"radiogroup","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"key":"fld_9waRgO9SCwv8GCc1","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_collateral_tf == 'Yes' and loan_collateral_types and 'personal_property' in loan_collateral_types %}Yes{% else %}No{% endif %}"},"purpose":"Yes when personal property is among the collateral types: the security agreement, the perfection certificate, the UCC-1 collateral sheet and the three UCC forms are prepared (derived from the collateral answers since 2026-09-11 rather than chosen on the Loan Documents list, Product Owner FINDINGS item 20: 'we don't ask questions that we can derive'). The pledge and IP agreements require it. NOT the any-collateral flag: that is loan_collateral_tf."},"loan_pledge_separate_tf":{"type":"radiogroup","label":"Will the pledged equity be covered by a separate pledge agreement?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"rules":["required"],"data_source":"user","key":"fld_75SSN0WHERcfHhwT","description":"A pledge agreement is a security agreement for equity interests and notes, carrying the terms those assets need, such as voting rights and dividends. No leaves the pledged securities inside the security agreement's grant.","conditions":[[["loan_secured_tf","==","Yes"],["loan_collateral_scope","==","all_assets"]],[["loan_secured_tf","==","Yes"],["loan_collateral_classes","contains","investment_property"]]],"purpose":"Collateral decision (Product Owner, 2026-09-12, FINDINGS item 25): a user Yes\/No since v45 (key preserved), asked when personal property secures the loan and the classes reach investment property (or the grant is all assets). Yes: the pledged equity is covered by a separate pledge agreement rather than granted inside the security agreement; gates the pledge pages and the pledge template."},"loan_ip_present_tf":{"type":"radiogroup","label":"Does the collateral include patents, trademarks, or copyrights to record with the federal registers?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"rules":["required"],"data_source":"user","key":"fld_9iF71eSKQxI5scpW","description":"A short-form intellectual property security agreement is recorded with the patent and copyright offices, so the main loan documents stay private. No leaves intellectual property inside the general intangibles grant.","conditions":[[["loan_secured_tf","==","Yes"],["loan_collateral_scope","==","all_assets"]],[["loan_secured_tf","==","Yes"],["loan_collateral_classes","contains","general_intangibles"]]],"purpose":"Collateral decision (Product Owner, 2026-09-12, FINDINGS item 25): a user Yes\/No since v45 (key preserved), asked when personal property secures the loan and the classes reach general intangibles (or the grant is all assets). Gates the IP schedules and the IP short form; the loan agreement's IP representation family is driven by loan_ip_provisions_tf, not this flag."},"loan_guaranteed_tf":{"type":"radiogroup","label":"Will anyone guarantee the loan?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"rules":["required"],"data_source":"user","key":"fld_37s9i5uOqvJg1YkN","description":"A guaranty is a promise by another party, often a parent or a subsidiary, to pay if the borrower does not. Yes adds the Guaranty form and the guarantor records to the workflow.","purpose":"Collection-scope decision (Product Owner, 2026-09-12, FINDINGS item 25): a user Yes\/No since v45 (was calculated from the retired loan_instrument_set; key preserved). Gates the Guarantors page, the Guaranty form and step, and the guaranty template's applicability."},"loan_commitment_letter_tf":{"type":"radiogroup","label":"Will the lender issue a commitment letter before the loan documents?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"rules":["required"],"data_source":"user","key":"fld_gd3cGRrPt2zEJvnw","description":"A commitment letter records the lender's commitment to lend and the agreed terms before the loan documents are drafted. Yes adds the Commitment Letter form and its own generation step ahead of closing.","purpose":"Collection-scope decision (Product Owner, 2026-09-12, FINDINGS item 25): a user Yes\/No since v45 (key preserved). Gates the Commitment Letter form and the commitment generation phase; the closing checklist reads the same name."},"loan_post_closing_tf":{"type":"radiogroup","label":"Will post-closing amendments, waivers, or consents be prepared?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"rules":["required"],"data_source":"user","key":"fld_vmYUoMMvNLhWauhN","description":"Post-closing documents change the loan agreement after closing or excuse one departure from it. Yes adds the Amendment, Waiver, and Consent form and a post-closing generation step.","purpose":"Collection-scope decision (Product Owner, 2026-09-12, FINDINGS item 25): a user Yes\/No since v45 (key preserved). Gates the Amendment, Waiver and Consent form and the post-closing generation phase."},"loan_lender_structure":{"type":"radiogroup","items":[{"value":"bilateral","label":"One lender"},{"value":"syndicated","label":"A syndicate acting through an administrative agent"}],"key":"fld_oMGyqm92DZMN3ImA","visibility":"hidden","data_source":"calculated","calculation":{"value":"{% if loan_note_structure == 'with_agreement' and set_loan_lender_structure %}{{ set_loan_lender_structure }}{% else %}bilateral{% endif %}"},"purpose":"Canonical of the set_loan_lender_structure pair (form-schema-standards \u00a714.3.4): the user's answer when there is a loan agreement, forced to bilateral on a stand-alone note, where a syndicate has no agreement to act through. Drives $agent_term, $lender_term, $sca_secured_party_term and $gty_guarantor_term and gates the agency and assignment pages."},"loan_collateral_tf":{"type":"radiogroup","label":"Will collateral secure the loan?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"rules":["required"],"data_source":"user","key":"fld_ixCfBjfWcjYKskPH","description":"A security interest gives the lender a claim on identified property if the borrower does not pay. The lender takes that interest under a security agreement. Perfecting the interest is what protects the lender against other creditors and in a bankruptcy.{% if loan_facility_shape == 'line_of_credit' %} A line of credit can be secured or unsecured.{% endif %}","info":"Collateral can be the borrower's own property, property of another party, or both.","purpose":"The any-collateral flag (Product Owner, 2026-09-11, FINDINGS item 14: 'gated on whether there will be any security for the loan'). Gates loan_collateral_types; read by LCM-003\/004\/007 and loan_note_secured_tf as 'secured by anything', which loan_secured_tf (a security agreement exists) never meant: a real-property-only loan rendered 'The Loan shall be unsecured.'"},"loan_collateral_types":{"type":"checkboxgroup","label":"What kind of property secures the loan?","items":[{"value":"personal_property","label":"Personal property, such as accounts, inventory, equipment, investments, and contract rights","key":"fld_6hZ3zRCfValp9Jc3"},{"value":"real_property","label":"Real property, meaning land and buildings, together with the fixtures attached to them","key":"fld_IL3sllIJqzixncqf"}],"rules":["required"],"data_source":"user","key":"fld_0Rksj7uhk890ya5O","description":"Real property is not reached by a security agreement over personal property. Real property is pledged separately, under a mortgage or a deed of trust. Fixtures sit between the two, so the financing statement is also filed as a fixture filing. A mortgage or deed of trust is prepared outside this engagement.","conditions":[["loan_collateral_tf","==","Yes"]],"purpose":"The asset-type question one level above the instrument (Product Owner, 2026-09-11, FINDINGS item 14: 'what we are trying to determine is what assets are covered by the loan'). loan_secured_tf (personal property: the security agreement, perfection certificate and UCC filings) and loan_real_property_profile_tf (real property: the mortgage terms and the fixture filing) are calculated from it, keys preserved. Required, so at least one type is chosen once collateral is Yes."},"loan_grantor_third_party_tf":{"type":"radiogroup","label":"Does anyone other than the borrower pledge collateral?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"default":"No","rules":["required"],"data_source":"user","key":"fld_wmSKdetng0UGL0RE","description":"A grantor is any party that grants a security interest. A parent or a subsidiary often grants one over its own property to support the borrower's loan. The recitals then record what that party gets out of the financing, which is what supports its grant.","conditions":[["loan_secured_tf","==","Yes"]],"purpose":"Product Owner, 2026-09-11, FINDINGS item 18. No (the default): the Grantors page is skipped and CLDRV-0301 copies the borrowers and their derived name lists, signatures and acknowledgments into the grantor slots. Yes: the Grantors page collects every grantor, the borrower included where it grants."},"loan_secured_party_third_party_tf":{"type":"radiogroup","label":"Will a collateral agent or another party, rather than the lender, hold the security interest?","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"inline":true,"default":"No","rules":["required"],"data_source":"user","key":"fld_Aiud1iZUtOjTBlOE","description":"The secured party is the party the security interest runs to, and the party that may enforce it against the collateral. Where several lenders advance the money, they usually appoint a collateral agent to take and hold the security interest for them. The security agreement then does not have to be amended each time the syndicate changes.","conditions":[["loan_secured_tf","==","Yes"]],"purpose":"Product Owner, 2026-09-11, FINDINGS item 18. No (the default): the Secured Party page is skipped and CLDRV-0302\/0303 fill the secured party from the lender (bilateral) or the administrative agent (syndicated). Yes: the Secured Party page collects the party."},"map_borrowers_to_grantors_tf":{"type":"radiogroup","visibility":"hidden","label":"map_borrowers_to_grantors_tf","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"data_source":"calculated","key":"fld_7qMNuPgR35nfYGuV","calculation":{"value":"{% if loan_secured_tf == 'Yes' and loan_grantor_third_party_tf != 'Yes' %}Yes{% else %}No{% endif %}"},"purpose":"Server-map flag (form-schema-standards \u00a714.3.5; nested-form-field-standards \u00a72): when Yes, CLDRV-0301 copies the borrowers array and its derived fields into the grantor slots, the ENTITYORG-3000 pattern."},"map_lenders_to_secured_party_tf":{"type":"radiogroup","visibility":"hidden","label":"map_lenders_to_secured_party_tf","items":[{"value":"Yes","label":"Yes"},{"value":"No","label":"No"}],"data_source":"calculated","key":"fld_ziTs1JZqSAfQseOn","calculation":{"value":"{% if loan_secured_tf == 'Yes' and loan_secured_party_third_party_tf != 'Yes' %}Yes{% else %}No{% endif %}"},"purpose":"Server-map flag (form-schema-standards \u00a714.3.5): when Yes, CLDRV-0302 (bilateral: the lender) or CLDRV-0303 (syndicated: the administrative agent) fills secured_party_name_full and secured_party_signatures."},"loan_document_structure":{"type":"radiogroup","label":"How is the loan documented?","items":[{"value":"agreement_note","label":"A loan agreement and a promissory note, the agreement carrying the terms and the note evidencing the debt"},{"value":"agreement_only","label":"A loan agreement alone, with no separate note"},{"value":"note_only","label":"A promissory note alone, carrying every term of the loan"}],"rules":["required"],"data_source":"user","key":"fld_RWGDHMVMzFXDK9GH","description":"A loan agreement holds the loan's terms, mechanics, and each party's obligations; a promissory note is the written promise to pay that lenders keep as their own record of the debt. A note alone carries the whole loan in one document, which suits a simple loan between affiliates or an owner loan.","purpose":"Collection-scope decision (Product Owner, 2026-09-12, FINDINGS item 25: 'What documents do you want to assemble right now?' is a different question from 'What information do we need to collect?'; assembly-options-entity-design.md \u00a70). loan_note_structure (with_agreement \/ stand_alone) and loan_promissory_note_tf are calculated from it, keys preserved. Replaces the loan_agreement \/ promissory_note items of the retired loan_instrument_set checkbox. What is ASSEMBLED is chosen at the Select Commitment \/ Closing \/ Post-Closing Documents steps."}},"steps":{"page_1":{"label":"Getting Started","elements":["LXS_CONFIG_INTRO","loan_governing_law_st","loan_party_position"]},"page_2":{"label":"Level of Detail","elements":["LXS_COMPLEXITY","loan_complexity"]},"page_3":{"label":"Loan Type","elements":["LXS_FACILITY","loan_facility_shape","loan_lc_sublimit_tf"]},"page_4":{"label":"Collateral","elements":["LXS_COLLATERAL","loan_collateral_tf","loan_collateral_types","loan_collateral_scope","loan_collateral_classes","loan_pledge_separate_tf","loan_ip_present_tf","set_loan_lien_priority","loan_grantor_third_party_tf","loan_secured_party_third_party_tf"]},"page_5":{"label":"Loan Documents","elements":["LXS_INSTRUMENTS","loan_document_structure","loan_guaranteed_tf","loan_commitment_letter_tf","loan_post_closing_tf"]},"page_6":{"label":"Lender Structure","elements":["LXS_LENDERS","set_loan_lender_structure","loan_swingline_tf"],"conditions":[["loan_complexity","==","advanced"],["loan_note_structure","==","with_agreement"]]},"page_7":{"label":"Borrowers","elements":["LXS_BORROWER","borrowers_lxrl"]},"page_8":{"label":"Lenders","elements":["LXS_LENDER","lenders_lxrl","agent_lxrl","lender_financial_institution_tf"]},"page_9":{"label":"Guarantors","elements":["LXS_GUARANTOR","guarantors_lxrl"],"conditions":[["loan_guaranteed_tf","==","Yes"]]},"page_10":{"label":"Grantors","elements":["LXS_GRANTOR","grantors_lxrl"],"conditions":[["loan_secured_tf","==","Yes"],["loan_grantor_third_party_tf","==","Yes"]]},"page_11":{"label":"Secured Party","elements":["LXS_SECURED_PARTY","secured_party_lxrl"],"conditions":[["loan_secured_tf","==","Yes"],["loan_secured_party_third_party_tf","==","Yes"]]},"page_calculated":{"label":"Calculated Fields","hidden":true,"elements":["loan_lien_priority","loan_facility_term_tf","loan_facility_revolving_tf","loan_note_secured_tf","loan_security_definitional_parent","loan_rep_scope","loan_cov_scope","borrower_multiple_tf","loan_grantor_multiple_tf","loan_borrower_multiple_tf","loan_guarantor_multiple_tf","notary_state_st","loan_note_structure","loan_promissory_note_tf","loan_secured_tf","loan_lender_structure","loan_note_facility","loan_borrower_trust_tf","loan_borrower_individual_tf","loan_borrower_org_tf","loan_guarantor_trust_tf","loan_guarantor_individual_tf","loan_guarantor_org_tf","loan_real_property_profile_tf","map_borrowers_to_grantors_tf","map_lenders_to_secured_party_tf"]},"page_mapped":{"label":"Mapped Fields","hidden":true,"elements":[]}},"settings":{"unique_entries_enabled":false,"unique_field":null,"allow_data_integration":false}},"prefill_data":[],"settings":{"unique_entries_enabled":false,"unique_field":null},"native_intake":false,"payment":null,"data_integrations":[]},"captcha":{"enabled":true,"site_key":"1x00000000000000000000AA"},"csrf_token":"jN7if9syfpVMtmciVAd6Q9md6ik2gllCjuEOt2dF"}
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