Build vs. partner: the infrastructure decision
Financial institutions face a critical choice when expanding into asset-backed lending.
Build in-house
18-24 monthsRequirements
- Dedicated engineering team (8-12 FTE)
- Compliance infrastructure from scratch
- Third-party integrations and APIs
- Ongoing maintenance and updates
Front-Loaded Cost
...assuming you've got nothing else going on.
Best For
Large institutions with massive engineering capacity and long-term strategic commitment
Partner with Aaim
2-4 weeksWhat's Included
- White-label platform, your brand
- Built-in compliance and reporting
- All integrations pre-configured
- Continuous updates and support
Platform Fee
Minimal integration cost and a tiered subscription fee.
Best For
Institutions seeking rapid deployment with proven infrastructure and ongoing innovation
You remain the lender.
We provide the infrastructure.
Aaim sits between your core systems and modern lending products—enabling new capabilities without replacing existing infrastructure.
Truly Modern Lending Products
Aaim Institutional Platform
Your Existing Systems
Clear division of responsibilities
You maintain full control over credit decisions and member relationships. We handle the complex technology.
Your Institution
- Credit decisions and underwriting
- Credit risk ownership
- Member relationships
- Loan ownership and servicing
- Regulatory responsibility
- Pricing and terms
Aaim Provides
- Real-time asset valuation
- 50+ alternative asset types
- Automated contract generation
- UCC filing and perfection
- Custody integrations
- Examiner-ready audit trails
“Of course pledged-asset control and perfection is hard. Why else would we bother solving this?”
Ready to explore partnership?
See how Aaim can help you launch asset-backed lending in weeks, not years.