Signing example
Sign a loan agreement online
To sign a loan agreement online with three parties, route them in the order the law of the document implies: borrower, then guarantor, then lender. This $180,000 secured equipment facility from the documents examples runs exactly that chain, with access codes for the two outside signers, the guarantor's address typed at signing, 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
- Elsa Varga, for the Borrower, signs first
- Initials on the key terms table · Block headed FOR THE BORROWER: Name, Title, Company, Date · Access code from the settlement call
- Tomas Varga, the Guarantor, signs second
- Initials on the guarantee clause · Block headed THE GUARANTOR: Name, Date · Residential address, typed and required · Access code from the settlement call
- Miriam Santos, for the Lender, signs last
- Block headed FOR THE LENDER: Name, Title, Date · Signed in person from the status page
The signing journey
Step 1
Three parties, one enforced chain
Seven fields cover the envelope: the borrower's key terms initials and four line block, the guarantor's clause initials, block and required address field, and the lender's block. Sign in order is on, so each link exists only after the previous signature.
Step 2
The borrower signs with her code
Elsa unlocks the challenge card with the access code from the settlement call, initials the key terms table showing the $180,000 principal and $3,693.22 instalment, types her title and company into the FOR THE BORROWER block, and signs.
Step 3
The guarantor marks the clause he is bound by
Tomas verifies with his own code, initials the guarantee clause itself, types his residential address, and signs THE GUARANTOR block. The address is required because a guarantee notice that cannot be delivered cannot be fairly enforced, and the agreement says so.
Step 4
The lender executes in person
The credit manager 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 Credit Manager and signs FOR THE LENDER.
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 a sixteen 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 label for the lender's step reads signed in person, hosted by the sender.
What the signed agreement and certificate show
The completed file shows initials on the key terms table and the guarantee clause, three completed blocks with their headings printed in uppercase, the guarantor's typed address, and three stamped dates. The certificate lists the borrower and guarantor as verified by Email link + access code and logs sixteen events from creation through both code verifications to the final in person signature.
How to adapt this envelope
Two guarantors means a fourth recipient in order, with their own clause initials and address field. A lender that wants a director countersignature adds a fifth. For an unsecured loan between individuals the same 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 guarantor guaranteed obligations the borrower had already signed for; 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.
Codes for outsiders, in person for the insider
The two Varga signatures each required an access code shared on the settlement call, while the lender's own credit manager signed at her desk from the status page. Verification effort landed exactly where the identity risk was.
The guarantee clause carries its own initials
The clause that ends up in court if things go wrong holds the guarantor's mark directly, beside his typed address. His certificate entry adds the access code verification, his IP and his consent record to the same fact.
Questions people ask
Can the guarantor sign before the borrower?
Not on this envelope. Sign in order is on, so the guarantor's link is only generated once the borrower's signature lands. A guarantee given before the principal obligation existed would be a strange record, and the enforced order makes it impossible.
What does a PDF reader show for this file?
A certified document, with the reader's signature panel confirming no changes since certification. If anyone alters the file the panel says so. There is no external timestamp on the certification, which the algorithm line discloses by carrying no suffix.
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, so a guessing attack against the guarantor's link would be visible in the trail rather than silent.
Why does the guarantor type his address?
Default notices to a guarantor have to reach him for the guarantee to be enforced fairly, and the agreement says exactly that. Typing the address at signing puts it in his own field, under his own verified signing event, current as of the day he was bound.
Can the lender sign from a phone at settlement?
Yes. The in person handoff works from the status page in any browser, so the credit manager could equally have been handed the final signature on a phone in a settlement meeting. The hosted session is recorded either way.
Is a loan signed this way enforceable?
The envelope preserves execution evidence: order, verification methods, consent records, IPs and a verified hash chain. Whether the facility complies with credit legislation, and whether the guarantee needed independent advice certificates, are legal questions the document itself addresses and this page does not decide.
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Sources
Written and checked by the OneCraft team. Last checked .