← Embedded Finance Index 2026

AIMS360

Can a decades-old apparel ERP become the financial operating system for fashion brands by embedding B2B payments, factoring workflows, and AI-native access into a single vertical stack?

Founded1984
HQLos Angeles, California, United States
IndustryVertical SaaS / Apparel & Fashion ERP
The story

AIMS360 is a 40+ year-old apparel/fashion ERP built by AF Technology, LLC and led by CEO Shahrooz Kohan. Over time it has layered embedded finance into its vertical SaaS stack — most notably AIMS360 Pay (B2B credit card + ACH processing with BNPL, pre-auth, deposits) and native integrations to apparel factoring houses (Hilldun, CIT, Rosenthal, Wells Fargo Capital Finance, White Oak). Its most recent evolution is AI: a native MCP server exposing ERP data to ChatGPT, Claude, and Grok.

Last 12 months
2025-05
2025-09
2026-07
Product timeline
1984
AIMS360 (AF Technology, LLC) founded as apparel ERP software company· founding
2012
Opened New York office to expand East Coast presence· expansion
2025
Earned Microsoft Solutions Partner designation; launched AIMS360 Pay B2B payments module· product
2026
Launched AI Automation add-on with MCP server connecting AIMS360 ERP to ChatGPT and Claude· product
The stack
4 layers disclosed in AIMS360’s embedded-finance stack
Payments / PSP
AIMS360 Pay (self-operated)Resolve Pay
Money movement
in the full report
Lending
in the full report
Accounting
in the full report
Accounting gap: none
16 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.