Creditor arrham accipit.

Because creditor is in the nominative singular, the case typically used for the subject of a finite verb.

In this sentence:

• creditor = the creditor / a creditor → subject
• arrham = the deposit / earnest money → direct object
• accipit = receives

So creditor arrham accipit means The creditor receives the deposit.

The ending -am shows that arrham is accusative singular, which is the case used for a direct object.

The basic dictionary form is arrha. Its singular forms go like this:

• nominative: arrha
• accusative: arrham

So:

• arrha = a deposit as a subject
• arrham = a deposit as an object

Here it is the thing being received, so Latin uses the accusative: arrham.

Accipit is:

• present tense
• active voice
• indicative mood
• 3rd person singular

It comes from accipio, accipere, meaning to receive.

So accipit means:

• he receives
• she receives
• it receives

Since the subject is creditor, we translate it as the creditor receives.

Latin has no articles like English the or a/an.

So creditor can mean:

• a creditor
• the creditor

The context tells you which is more natural. If this sentence appears by itself, either is possible. In many textbook translations, the creditor is chosen because it sounds more specific.

Latin word order is much more flexible than English word order because Latin uses case endings to show each word’s job in the sentence.

A very common neutral Latin pattern is:

• subject + object + verb

So:

• creditor = subject
• arrham = object
• accipit = verb

That is why accipit comes at the end. English usually prefers The creditor receives the deposit, but Latin often saves the verb for last.

Yes. Because the endings show the grammar, Latin can often change the order without changing the basic meaning.

For example, these would still mean roughly the same thing:

• Creditor arrham accipit
• Arrham creditor accipit
• Accipit creditor arrham

But the emphasis changes:

• putting arrham first can emphasize the deposit
• putting accipit first can emphasize the action

The original order is a normal, straightforward one.

Yes. English creditor comes from Latin creditor.

That can be helpful for vocabulary learning: sometimes Latin legal or financial words look very familiar to English speakers.

But even when a word looks familiar, you should still check:

• its case
• its number
• its exact Latin usage

Creditor is a third-declension noun.

Its nominative singular form is creditor, and that same form is used here as the subject.

A learner may notice that not all subjects end in -a, -us, or -um. Third-declension nouns often have a wider variety of nominative forms, and creditor is one example.

Arrha is a first-declension noun, and in this sentence it appears as arrham, its accusative singular form.

So:

• dictionary form: arrha
• form used here: arrham

It means earnest money, a pledge, or a deposit depending on context.

Yes. Accipio is a compound of ad- + capio.

Very roughly, it originally has the sense of take to oneself or take in, which developed into receive.

You do not need that etymology to translate the sentence, but it can help you remember the verb:

• capio = I take
• accipio = I receive

A common classroom pronunciation would be roughly:

• creditor → KREH-di-tor
• arrham → AR-rham
• accipit → AK-ki-pit

In restored Classical pronunciation, c is always hard, like k.

So the sentence sounds approximately like:

KREH-di-tor AR-rham AK-ki-pit

Different teaching traditions may pronounce it a little differently, especially in Church Latin.