Expand your lending with
alternative collateral infrastructure
Your commercial clients own assets that traditional systems cannot verify or value. Private equity stakes, real estate holdings, cryptocurrency, and startup equity represent untapped lending opportunities. Aaim provides the complete technology infrastructure. Your bank makes all credit decisions.
Technology provider model
Aaim is a technology service provider, not a lender. Your bank maintains full control over credit decisions while we handle the infrastructure complexity.
True Lender compliance
Your bank makes all credit decisions, owns all loans, and bears all credit risk. Our fee structure and documentation maintain this distinction per established True Lender doctrine and CFPB v. CashCall precedent.
OCC examination packages
Generate complete examination packages on demand: third-party risk management documentation, model risk validation per OCC 2011-12, fair lending analysis, and audit trail excerpts.
Automated legal perfection
UCC-1 filings across all 50 states. Tri-party control agreements with broker-dealers and crypto custodians. Five-year continuation tracking with automated renewal reminders.
Higher-margin lending
Alternative asset-backed loans command premium rates while maintaining conservative LTV ratios. Expand your commercial lending portfolio with properly secured positions.
Works with your existing systems
API connectivity to data aggregation platforms and financial institution systems reduces implementation time and complexity.
Ready to expand your commercial lending?
See how community banks are deploying asset-backed lending programs in weeks. Your bank remains the lender. Aaim provides the technology.