Content on this page requires a newer version of Adobe Flash Player.

Get Adobe Flash player

Content on this page requires a newer version of Adobe Flash Player.

Get Adobe Flash player

The Alternative Loan Machine is the first ever monitoring agency for specialty loan program listings online. The purpose of ALM is to ensure that consumers are able to take advantage of the wide array of companies offering alternative programs online, finding secure resources that help them choose from only the highest quality companies. The company began as a humanitarian project to help a small group of friends who were desperately searching for loans and programs that could assist them. Each person attempted time after time to locate a program that could get them the funding that they needed, but were met only with disappointments.

After years of research and development, ALM is able to offer a secure online environment for users searching for information on specialty loan broker companies. ALM provides security. We have helped shut down more than 40 fraudulent companies within the last six months alone (Sept. ’09 – Feb. ’10). That is only the beginning. With a vigorous Security Department researching and verifying loan broker companies and credit enhancement companies across the US, ALM’s mission to provide a safe environment for users searching for these types of alternative lending services is under way.

ALM’s mission is not only to help rid the industry of scammers and fraudulent companies, but to also provide a platform to highlight the quality companies within the industry. One major concern has been the difficulty in identifying the good companies amidst all of the fakes and frauds. ALM commends the hundreds of companies in the alternative loan and credit services industry who strive to provide quality services, with honest and ethical business practices. With this in mind, ALM has launched a secure online community where users can now search through all of the programs offered by the many quality companies that have been researched and ALM Verified. Consumers can feel safe knowing that they are searching through the highest rated companies, on a portal that is being monitored every day for their protection.

Each company qualified to post their programs in the ALM Verified Ads section must pass a very strict 6-point verification process that includes:

  • Company and/or Personal Identification Verification
  • Company Background Check
  • Personal Background Check
  • BBB Report Review
  • Scam Alert Database Check
  • Submission of 2-4 Direct Client References

ALM is the monitoring agency that regulates and verifies specialty loan broker and credit enhancement companies. Not only do we combat and help shut down fraudulent or "scam" loan broker and credit companies, ALM also showcases the ethical and honest companies in the industry. You shouldn't be the only one whose qualifications are important.

ALM researches, monitors, and investigates specialty loan broker companies and their programs. We have compiled data on many companies and programs, and have become the most valuable resource for consumers seeking this information. ALM now hosts a secure community (Verified Ads Section) where users can search through posted programs from quality ALM Verified Companies. We keep you safe.

At ALM, we are passionate about consumer safety and protection. That passion, combined with the resources to effectively monitor and verify these companies makes our job worth while. We believe that by giving consumers accurate and objective information about these consumers will be able to make safe, informed decisions for themselves.