At least 12 months have passed since your loan was originated. ➢ No obligated borrower is allowed to be released from liability on the loan.At all times during the term of this. Mortgage Loan), and this Form. This collateral agreement template is what you need to secure an item of value as collateral for monetary debt. A collateral access agreement is a legal document that outlines the terms and conditions of how an individual can borrow money from a business owner. Fill out the form to access a sample of Practical Guidance. Simply fill in the form above to create a preview of your Loan Agreement pdf.