Own a piece of the book you build.
Every loan an aggregator writes creates a stream of trail income and asset value — but under the standard commission model, that value flows entirely to the lender. AIF is built on a different assumption: brokers who bring durable, quality flow deserve a durable, quality stake.
How it works?
3 easy steps
- You redirect part of your upfront brokerage into equity. On each settled loan, a portion of your upfront commission is applied as your equity subscription into a bankruptcy-remote funding trust – the same trust that holds the loan receivables.
- You keep a percentage of the trust’s ongoing margin. As the book seasons, the trust generates net interest margin. Some of that margin flows to the aggregator syndicate as ongoing income, in proportion to the loans they’ve contributed.
- You build enterprise value, not just income. Your equity stake is a real, tradeable position. As the book grows, the value of that stake grows – and it’s yours to hold, sell or use as a business asset.
100% partnership is what we underwrite to; 50% is the commercial on-ramp.
Interested in exploring a broker relationship?
We’re having limited pilot conversations to a small number of established aggregators about foundation participation ahead of platform launch.