Financing Entity

You need a loan to pay off mounting gambling debts, before Johnny the Shark comes looking for you. You go to the bank and use your mom's jewelry as collateral for a $10,000 loan.

In that transaction, the bank represents the financing entity. It's the general term for the party that provides the money in any financing arrangement. Your title in that deal, by the way, is the financed entity.

Johnny the Shark doesn't get a title in the transaction. He's still just Johnny the Shark...as happy to get his money as you are to avoid having him take you into a dark alley. Now you just have to worry about what your mom will say when she finds her jewelry missing.