Funder Types

AMLOK supports three tiers of capital providers. Each has different onboarding, regulatory, and product requirements.

Tier 1: Financial Institutions

Dimension	Details
Who	Credit unions, small banks, lending platforms, government program administrators
Onboarding	Policy mapping workshop to turn underwriting criteria into executable rules
Agent Model	AMLOK builds and hosts the agent
Capital Structure	Institution funds from its own balance sheet
Regulatory Burden	Lowest, because the institution is already a regulated lender
White-Label	Full white-label option
Revenue Model	SaaS fee plus per-deal and servicing fees

Tier 2: Accredited Investors

Dimension	Details
Who	Family offices, private credit funds, angel groups
Onboarding	KYC/AML plus accredited-investor attestation
Agent Model	Pre-built or custom policy profiles
Capital Structure	Segregated trust account or pooled SPV
Regulatory Burden	Medium, with EMD and offering-document requirements
Revenue Model	Management fee plus performance fee
Minimum	Generally $25K to $100K, or larger forward-flow commitments

Tier 3: Retail Investors

Dimension	Details
Who	Non-accredited individuals
Onboarding	Full KYC/AML, suitability, disclosures, and managed-allocation setup
Agent Model	Fully managed risk-profile allocation
Capital Structure	Pooled vehicle with fractional portfolio notes
Regulatory Burden	Highest
Revenue Model	Spread-based plus platform fee
Minimum	Typically $1,000 to $5,000

Regulatory Comparison

Requirement	Institutions	Accredited	Retail
EMD Registration	Not required	Required	Required
Offering Memorandum	Not needed	Required	Required
Suitability	N/A	Simplified	Full
FINTRAC MSB	Likely needed	Required	Required
Time to Launch	3 to 4 months	6 to 9 months	12 to 18 months