Abstract: A method for financing a loan of an amount loaned to a borrower comprising the steps of selecting a reference loan having an amount equal to the loan amount; selecting the terms of the reference loan; calculating a periodic payment paid under the reference loan; loaning the borrower a loan amount; selecting an investment instrument into which the borrower will invest preselected investment amounts; and receiving the value of the investment instrument at a preselected time in satisfaction of the loan. The method of financing is designed to reduce the length of time required to repay the loan and to provide greater security to a lender through the ability to seize the investment instrument in addition to the collateral on the loan.