Step 3: Create Loan Terms

Now add the data that powers schedules, LTV, and dashboards: your Loan Terms (templates) and your Loan List (individual loans).

Path: Loan Management → Loan List → + Add Loan Terms

Fill these sections:

Basics – Term name (e.g., USDC Term – 12M 8% Fixed), currency, dates/tenor
Principal – amount/currency rules (you can override per loan)
Interest
- Rate type: Fixed or Variable (index, spread, reset frequency, floor/cap)
- Day count: ACT/360, 30/360, or ACT/365
- Type: Simple or Compound; Accrual frequency (used for calculations)
- Payment frequency: Daily, Monthly, Quarterly, End of Term
Repayment – interest‑only, amortizing (equal principal), or bullet/balloon; custom schedules if required
Fees – origination (upfront or amortized), processing (recurring), late fee rules
Collateral (if secured) – required asset types, LTV cap, revaluation frequency/time, liquidation threshold
Event Structure (loan‑level) – borrower wallets for each event. Lender wallets + labels pre‑fill from Global settings.

Save the term and (if available) preview a sample schedule to verify accrual math and next payment date.

For detailed setup instructions, see the Loan List article.

LMS identifies movements for each loan using your Event Structure (wallets + labels) and the Loan ID:

Principal: Principal Loan Issued / Principal Repayment Received
Interest: Interest Received
Collateral: Collateral Posted / Returned / Liquidated
Fees: Origination / Processing / Late fee (late fee may be manual initially)

Options for bringing data in

Direct connectors (exchanges/custodians/chains) to pull transactions
CSV upload for unsupported sources
Advanced users: use Data Bridge to ingest movements or balances from internal systems, then match via wallets/labels and Loan ID.

For detailed setup instructions, see the Loan List article.

From a loan record:

Check that recent disbursement/interest/collateral transactions are auto‑tagged to the loan (correct wallets, labels, and Loan ID)

Next: Review the dashboards.