What Aaim is, what it is not, and what to know before you borrow against assets you own. Written to be read, not to be skipped.
Aaim, Inc. is a technology company. Aaim is not a bank, lender, broker, dealer, or investment adviser. Aaim does not originate, fund, or service loans, and Aaim does not take custody of your assets. Your assets stay in your name, at your custodian, the entire time.
Lines of credit and any other lending products are offered solely by your financial institution. Your institution makes all credit decisions, performs all underwriting, and sets all terms, including the interest rate, the loan-to-value limits, eligibility, and any fees. Aaim surfaces what you own and provides an indicative view of capacity; it does not decide whether, or on what terms, you may borrow.
Any capacity, loan-to-value, valuation, or rate figure shown on this site or in the product is indicative. Indicative figures depend on your lender’s underwriting and are not an offer of credit and not a commitment to lend. Valuations are estimates; actual values realized in a sale or margin event may differ. Loan-to-value ceilings are upper bounds, not the amount you will be offered.
Borrowing against your assets carries risk. If the value of your pledged collateral falls, your lender may issue a margin call or, in some cases, sell collateral (potentially at an unfavorable time and with tax consequences) to satisfy the loan. You remain responsible for repaying what you borrow. Pledged-asset lending is not suitable for everyone. Consider your own circumstances, and consult your own tax and financial advisers, before borrowing.