Inaugural Loan Fund For Credit Unions
Fund 2 is launching soon! The ALM First Loan Fund Investment Pilot Program is officially live — a first of its kind for the credit union industry. See if your financial institution qualifies by filling out our interest form.
Catch The Latest News
ALM First, a strategic partner for more than 350 financial institutions nationwide, has successfully launched a first of its kind loan fund for credit unions. The ALM First Loan Fund Investment Pilot Program is a groundbreaking new model whereby ALM First can pool funds for credit unions for the specific purpose of buying loans from other credit unions.
Home Equity Line of Credit (HELOC) Loan Fund Summary
A forward-flow home-equity investment opportunity for credit unions — the fifth pillar of ALM
First’s private-credit platform.
Program Benefits
Investment Opportunities
Access to diverse loan portfolios with exposure to a broad range of loan issuers through a structure exclusively available to credit unions.
Potential Enhanced Returns
Opportunity to augment returns through beneficial pricing and improved purchasing power through efficient, scalable acquisitions.
Greater Diversification
Aggregation of funds results in greater diversification and potential improved economics for participating credit unions.
Strategic Value
Introduction to scalable Fintech and other originators that may not be otherwise available to individual credit unions.
Ease of Operation
Simplified investment management process with comprehensive monthly reporting and performance tracking.
Enhanced Liquidity
Provides enhanced liquidity to the credit union industry and helps manage loan-to-share ratios.
Key Program Highlights
Structure & Participation
- Partnership structure exclusively available to credit unions
- Limited to 30 participating federal credit unions
- No limit on state-chartered credit union participation
Investment Requirements
- Well Capitalized Status required
- Complex Credit Union Classification
- Maximum 50% of net worth across all Funds
- Maximum 15% of net worth per discrete Fund
Investment Strategies
- Sector-Based: Auto, Personal Unsecured, Home Equity
- Risk-Based: Super Prime, Near-Prime, High Yield
- Multiple funds with different focus areas planned
Program Timeline
Interested in Participating?
Complete our qualification survey to secure your spot in this limited opportunity. Federal credit union participation is limited to 30 institutions.
A member of our team will be in touch about next steps following your submission.
Important Information
This material is provided for informational purposes only and is not an offer to sell or a solicitation of an offer to buy any security or investment product. Any such offer or solicitation will be made only through a confidential private placement memorandum (PPM) and other governing documents, which should be carefully reviewed before making an investment decision.
Investments in private funds are speculative and involve significant risks, including the risk of loss of principal. Private funds may be highly illiquid, may use leverage, and may engage in complex investment strategies. Past performance is not indicative of future results. No assurance can be given that any fund’s investment objectives will be achieved.
“ALM First” is a brand name for a financial services business conducted by ALM First Group, LLC (“ALM First”) through its wholly owned subsidiaries: ALM First Financial Advisors, LLC (“ALM First Financial Advisors”); ALM First Advisors, LLC (“ALM First Advisors”); and ALM First Analytics, LLC (“ALM First Analytics”). Investment advisory services are offered through ALM First Financial Advisors, an SEC registered investment adviser with a fiduciary duty that requires it to act in the best interests of clients and to place the interests of clients before its own.
© ALM First Group, LLC. All Rights Reserved.
For more information, contact us at loanfund@almfirst.com 3800 Maple Avenue, Suite 600, Dallas, TX 75219 | Phone: 800.752.4628
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