Loans, Security, and Guarantors
Context and Why This Exists
Loan relationships often need more than a simple lender-to-borrower line. In practice, you also need to know what assets secure the loan and which entities guarantee it.
StructureGram models that as one loan relationship plus optional child links:
- a Loan link between lender and borrower,
- one or more Loan Security links from the lender to secured assets,
- and one or more Loan Guarantor links from the lender to guarantor entities.
This lets you review lending arrangements in one place while still showing collateral and guarantees separately on the ownership diagram.
What the Feature Does
StructureGram supports loan workflows in three main places:
- The main Loans page for register-style review, search, creation, editing, and deletion.
- The Loans section on entity detail pages.
- The ownership diagram, where you can create a loan link and add security and guarantors from the diagram inspector.
Important behavior:
- There is a dedicated Loans register.
- There is not a separate standalone security register or guarantor register.
- Security and guarantor links are managed as part of a loan workflow and are also shown as separate diagram link types when enabled.
Relationship Rules
Who can be a lender or borrower
Loans can be created between these entity types:
- individuals,
- companies,
- trusts,
- SMSFs,
- and partnerships.
Assets are not valid lenders or borrowers.
Who can be used as security
- Security targets must be asset entities.
- A loan can have multiple secured assets.
- The security link runs from the lender to the asset.
Who can be a guarantor
Guarantors can be:
- individuals,
- companies,
- or trusts.
Guarantors cannot be:
- the borrower on that same loan,
- assets,
- SMSFs,
- or partnerships.
What You Can Record
Loan details
Depending on where you create the loan, you can record:
- loan amount,
- interest rate,
- interest type,
- repayment terms,
- maturity date,
- start date,
- end date,
- and notes or descriptive terms where supported.
Date behavior:
- start and end dates are optional,
- maturity date is optional,
- end date cannot be before start date,
- maturity date cannot be before start date.
Security details
Security records can store:
- security type,
- security value,
- PPSR-SIN for supported security types,
- notes,
- start date,
- and end date.
Security types include:
- Mortgage,
- General security agreement,
- Specific security,
- Other.
Guarantor details
Guarantor records can store:
- guarantee type,
- guarantee limit for limited guarantees,
- notes,
- start date,
- and end date.
Guarantee types include:
- Full,
- Limited,
- Joint and several.
How to Use It
Create a loan from the Loans register
- Open Loans from the main navigation.
- Click Add Loan.
- Select the lender.
- Select the borrower.
- Enter any loan terms you want to keep.
- Save the loan.
- Use Security or Guarantors on the loan card if you want to attach child links after creation.
Expected result:
- The loan appears in the Loans register.
- You can search for it later by lender, borrower, security, or guarantor.
Create a loan from an entity detail page
- Open an individual, company, trust, partnership, or SMSF.
- Scroll to Loans.
- Click Add Loan.
- Choose whether the current entity is the lender or the borrower.
- Select the counterparty.
- Enter the loan terms you want to track.
- Save.
Expected result:
- The loan appears in Loans Given or Loans Received for that entity.
- If the entity is acting as a guarantor on other loans, those appear under Guarantees Provided.
Add security from the Loans register or entity page
- Open a loan card.
- Click Security.
- In Manage Security, add one or more assets.
- Optionally complete security metadata such as type, value, PPSR-SIN, notes, and dates.
- Save.
Expected result:
- The loan now shows the secured assets.
- The security links become available for diagram display when Loan Security is turned on.
Add guarantors from the Loans register or entity page
- Open a loan card.
- Click Guarantors.
- In Manage Guarantors, add one or more eligible entities.
- Optionally complete guarantee metadata such as type, limit, notes, and dates.
- Save.
Expected result:
- The loan now shows the guarantors.
- The guarantor links become available for diagram display when Loan Guarantor is turned on.
Create a loan on the ownership diagram
- Open an ownership diagram.
- Drag a link between two eligible entities.
- In the relationship inspector, choose Loan.
- Enter the loan details.
- Add any in-scope securities and guarantors in the loan form.
- Save.
Important diagram behavior:
- Loans can be created directly on the diagram by dragging between eligible entities and selecting Loan.
- Security and guarantor links are then added inside the loan inspector workflow.
- Loan Security and Loan Guarantor are not offered as standalone base link types when starting a new draft relationship.
Add security and guarantors in the diagram inspector
When the relationship type is Loan, the diagram inspector shows separate Securities and Guarantors sections.
Typical flow:
- Drag between two eligible entities and create the Loan relationship.
- Keep that draft loan selected, or select the saved loan relationship.
- Use the inspector to add security assets and guarantor entities.
For securities:
- you can add assets that are already in the diagram scope,
- each selected asset is added to the pending security list,
- and you can remove pending items before saving.
For guarantors:
- you can add eligible entities already in the diagram scope,
- the borrower is excluded,
- and you can remove pending items before saving.
This is the key difference from the register workflow: the diagram uses scope-limited pickers tied to what is already visible in that diagram.
Where You Can Review Loans Later
Loans page
Use the main Loans page when you want to:
- search across the whole tenant or current scope,
- review all recorded loans in one register,
- edit or delete a loan,
- and manage security and guarantor child links from the loan card.
Entity detail pages
Entity detail pages show a Loans section for:
- individuals,
- companies,
- trusts,
- partnerships,
- and SMSFs.
That section can show:
- Loans Given,
- Loans Received,
- Guarantees Provided.
Owned asset and security review
When an entity owns assets that are used as loan security, those asset views can show that the asset is securing a loan and who the lender is. This helps you review collateral from the owner side as well as from the loan side.
Diagram Display and Settings
Ownership diagrams have separate visibility toggles for:
- Loan,
- Loan Security,
- Loan Guarantor.
To show them:
- Open the ownership diagram.
- Open Settings.
- Go to the Relationships tab.
- Turn on the financial link types you want to see.
Expected result:
- the loan link appears between lender and borrower,
- security links appear between lender and secured assets,
- guarantor links appear between lender and guarantor entities.
Security links also visually mark secured assets on the canvas so collateral is easier to spot.
Editing and Deletion Behavior
Editing
- Loan details can be edited after creation.
- Security and guarantor child links can be added or removed later.
- Existing security and guarantor records can also be updated with their own metadata.
Deletion
Deleting a loan removes more than the parent line.
Expected behavior:
- deleting the loan also removes its associated security links,
- deleting the loan also removes its associated guarantor links.
This is intentional cascade behavior.
Edge Cases and Expected Behavior
Security and guarantor links do not start as standalone draft relationships on the diagram
That is expected.
Create the Loan relationship directly on the diagram first, then add securities and guarantors inside the loan inspector workflow.
A guarantor is missing from the picker
Most likely cause:
- the entity type is not eligible,
- the entity is the borrower,
- or the entity is not currently in diagram scope.
An asset is missing from the security picker on the diagram
Most likely cause:
- the asset is not in the current diagram scope,
- or it has already been added to that loan in the current edit flow.
I need an interest-free loan
The register and entity-page dialog supports an explicit interest-free option. If you need the most complete loan-term entry workflow, prefer those surfaces.
Search results include loans based on child links
That is expected. The Loans page search can match lender, borrower, security, or guarantor details.
Troubleshooting (Q&A)
I can create the loan but not add security
Most likely cause:
- there are no eligible assets available in the current workflow.
Fix:
- Confirm the asset exists.
- If you are on a diagram, confirm the asset is in that diagram's scope.
- If needed, add the security later from the Loans page or entity detail page.
I can create the loan but not add a guarantor
Most likely cause:
- the selected entity type is not allowed or the borrower was selected.
Fix:
- Use an individual, company, or trust.
- Do not use the borrower as guarantor.
- On a diagram, confirm the guarantor entity is in scope.
I deleted a loan and the security or guarantor disappeared too
That is expected cascade behavior.
If you want to keep the loan and only remove one child link, remove the security or guarantor from its management workflow instead of deleting the whole loan.
Best Practice
- Create the loan first, then attach security and guarantors deliberately.
- Use the Loans page for register-wide review and search.
- Use entity detail pages when you are working from one counterparty's perspective.
- Use the diagram when you want to see the lending structure visually and ensure the right entities are already in scope before adding child links.
- Turn on Loan, Loan Security, and Loan Guarantor separately in diagram settings so the canvas stays readable.