Signing example
Sign a loan agreement online
To sign a loan agreement online with several parties, route them in the order the document implies: borrower, then guarantors, then lender. This nine page $180,000 equipment facility from the documents examples, Ardent Nominees lending to Delta Foundry in Hobart, runs that chain, with access codes for both director guarantors and the lender executing in person from the status page.
The document itself is written out in full on its own page: read the wording there. This page is only about signing it.
Who signs what
- Priya Sandoval, director, for Delta Foundry Pty Ltd and as Guarantor, signs first
- Initials on page 2, under the key terms · Initials on page 5, beside clause 6.3, the guarantees · Block on page 8 under Signed for Delta Foundry Pty Ltd: Name, Title, Date · Signature, name and stamped date on the Guarantor, Priya Sandoval lines on page 8 · Access code from the settlement call
- Hugh Trelawney, director, as Guarantor, signs second
- Initials on page 5, beside clause 6.3 · Signature, name and stamped date on the Guarantor, Hugh Trelawney lines on page 9 · Access code from the settlement call
- Miriam Santos, for Ardent Nominees Pty Ltd, the Lender, signs last
- Block on page 8 under Signed for Ardent Nominees Pty Ltd: Name, Title, Date · Signed in person from the status page
The signing journey
Step 1
Three recipients, one enforced chain
Priya holds the borrower's block and her own guarantor lines, because she signs for Delta Foundry as a director and personally as guarantor. Hugh holds his guarantor lines on page 9. The lender holds its block on page 8. Sign in order is on, so each invitation exists only after the previous signature.
Step 2
The borrower signs, and Priya guarantees
Priya unlocks the challenge card with the access code read out on the settlement call, initials the key terms on page 2 showing the $180,000 principal and $3,692.98 monthly instalment, initials clause 6.3 on page 5, types her position into the borrower block and signs both the block and her guarantor lines from one drawing.
Step 3
The second director guarantees
Hugh verifies with his own code, initials clause 6.3 on page 5 beside Priya's mark and signs the Guarantor, Hugh Trelawney lines on page 9. His name arrives prefilled and his date stamps itself. Clause 3 made both guarantees a condition before any money moves.
Step 4
The lender executes in person
Miriam signs last, handed her turn in person from the envelope's status page, which waives the emailed check for that hosted session and records the event in the trail. She types her position and signs the Ardent Nominees block on page 8.
Step 5
The certified facility goes to everyone
The listener certifies the file and emails it to all three signers and the sender. The certificate shows two access code verifications and the lender's entry, over an event log that includes the in person start.
Verifying the executed agreement afterwards
Either director or the lender can open the certified PDF in an ordinary reader and see a certified document with no changes since certification; any edit breaks the seal visibly. The certification line reads PAdES-SHA256-DocMDP without a timestamp suffix, so there is no RFC 3161 token in the current setup, and the signing instants that matter live in the certificate and the hash chained trail. The status page labels the lender's step as signed in person, hosted by the sender.
What the signed agreement and certificate show
The completed file shows Priya's initials on the key terms, both directors' initials beside clause 6.3, the lender and borrower blocks on page 8 with typed positions, and both guarantor signatures with stamped dates on pages 8 and 9. The certificate lists both directors as verified by Email link + access code and the lender's hosted session, over an event log from creation through both code verifications to the final in person signature.
What the envelope does not replace
Clause 3 also requires a signed general security deed ready for PPSR registration, a certificate of independent legal advice from each guarantor, insurance evidence, the supplier's invoice and management accounts, and clause 2.2 a separate business purpose declaration. Those are separate documents. They can travel as their own envelopes or be merged into this PDF before upload, but none of them is created by signing the loan itself.
How to adapt this envelope
A loan with one guarantor drops Hugh's recipient and his page 9 lines. A borrower whose signatory is not a guarantor becomes its own recipient ahead of the guarantors. For an unsecured loan between individuals the chain shrinks to borrower and lender; keep the initials wherever the repayment numbers live.
What makes this signing flow work
Each party signs a document the previous one executed
The guarantors guaranteed obligations the borrower had already signed for, and the lender advanced against signatures already on the page. Enforced order turned the legal logic of the document into the mechanical order of the envelope, and clause 3 made both guarantees conditions of drawdown.
Codes for outsiders, in person for the insider
The two directors each needed an access code shared on the settlement call, while the lender's own signatory signed at her desk from the status page. Verification effort landed exactly where the identity risk was: on the two people giving personal guarantees.
The guarantee clause carries both guarantors' initials
Clause 6.3 makes each director guarantee repayment personally and unconditionally, limited to the amount outstanding plus enforcement costs. Both sets of initials sit beside it on page 5, so the clause most likely to end up in court holds each guarantor's own mark, not only a signature three pages later.
Questions people ask
Can a guarantor sign before the borrower?
Not on this envelope. Sign in order is on, so Hugh's link is generated only once Priya has signed for Delta Foundry and as the first guarantor. A guarantee given before the principal obligation existed would be a strange record, and the enforced order makes it impossible rather than merely discouraged.
Can one person sign for the company and as guarantor?
Yes. Priya is one recipient with two sets of fields: the borrower block on page 8, which she signs as a director of Delta Foundry, and her own guarantor lines just below it. One drawing fills both, and the certificate records one verified signing event covering both capacities, which the document distinguishes by the headings above each set of lines.
What happens after five wrong access code attempts?
That recipient is locked out for fifteen minutes and the counter resets on a successful entry. The failed attempts are recorded as events in the trail, so repeated guessing against a guarantor's link would be visible on the status page and in the certificate's event log rather than silent.
Why does the lender sign last and in person?
Because the lender only commits once the borrower and both guarantors have signed, and its signatory is the sender's own colleague. The in person handoff from the status page waives the emailed check for that hosted session and records it, so the lender's execution is logged without sending its own staff an invitation email.
Does the National Credit Code apply to this loan?
The agreement says not. Clause 2.2 has the borrower declare the loan is wholly for business purposes, and the Code does not apply to credit for business purposes, which matters because the lender is a private investment company without a credit licence. The borrower also signs a separate business purpose declaration, a document outside this envelope.
Is a loan signed this way enforceable?
The envelope preserves execution evidence: order, verification methods, consent records, IP addresses and a verified hash chain. Whether the facility complies with credit law, and whether each guarantor's independent legal advice certificate is in order, are legal questions the document itself addresses and this page does not decide.
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