Access to Capital
Capital that fits the business you actually run.
When growth is capital-constrained, the problem is rarely that no funding exists; it is that the wrong product gets applied to the wrong situation. We look at your revenue pattern, deposits, margins, and use of funds first, then take one packaged application to our funding partner, going outside that relationship only when your profile genuinely calls for it.
What's included
Everything we handle under access to capital
Working capital
Short-term capital for inventory, payroll, seasonal swings, or a specific opportunity with a defined payback.
Business lines of credit
Revolving access you draw on only when needed, so you're not paying for capital that's sitting idle.
Term loans
Fixed-amount, fixed-schedule financing for larger, planned investments.
Equipment finance
Purchase or lease structures for machinery, vehicles, and technology, keeping cash free for operations.
Revenue-based & merchant advances
Repayment that flexes with card volume, useful for seasonal businesses, and something we only recommend when the math genuinely works.
Invoice & receivables finance
Turn outstanding B2B invoices into cash without waiting out net terms.
One packaged application
We package your file once, including statements, revenue history, and use of funds, and present it properly to our funding partner instead of you applying in five places.
Honest cost comparison
Total cost of capital, term, payment frequency, and prepayment terms compared side by side before you sign anything.
What you get
Outcomes, not deliverables.
- ✓A clear read on which funding types you realistically qualify for
- ✓Offers compared on total cost, not just approval speed
- ✓One packaged application instead of scattershot inquiries, tracked in your dashboard
- ✓A contact who stays involved after funding, not just to close
How it runs
- 01
Tell us the use of funds
What the money is for and when you need it shapes which products make sense.
- 02
We package the file
Recent bank statements and basic business details, assembled once, presented properly.
- 03
We present real options
Offers laid out side by side with total cost and payment impact explained in plain terms.
- 04
You decide
No pressure. If the cost of capital doesn't serve the plan, we'll say that too.
Common questions
Straight answers before you commit.
- Will this affect my credit?
- Initial reviews are typically soft-pull. Any step that requires a hard inquiry is disclosed to you first.
- How fast can funding move?
- Timelines vary by product and partner: some decisions are quick, while others require fuller underwriting. Approval, amounts and terms are set by the funding partner, never guaranteed by us.
- What do I need to apply?
- Generally recent business bank statements, basic ownership details, and a clear use of funds.
- What if funding isn't the right answer?
- Then we say so. Often the cheaper move is recovering cost from processing and shipping first.
All-in-1 Commerce coordinates on behalf of clients with authorized service providers. Approvals, pricing, contracts, underwriting, fulfillment and support are determined by the applicable provider. Results vary by business and are not guaranteed.
Working with us
What you can expect once this solution is switched on.
- One vetted partner per service
- We hold direct agreements with a selected provider in each category, chosen so their platform integrates with our software. If your business needs something outside those agreements, we tell you and source it.
- Written before signed
- Scope, pricing structure, timelines, and who is responsible for what are documented before any agreement is put in front of you.
- Plain-English disclosure
- Total cost of capital, effective processing rate, and surcharge load are shown in full. No teaser rates, no numbers that only work in a footnote.
- One accountable contact on every plan
- A named specialist stays on your account after setup, alongside the AI-powered account manager included on every plan. No handoff to a support queue.
Explore funding options
Start your 14-day free trial and this solution is waiting on your dashboard. Please don't send banking credentials, card numbers, or sensitive financial documents.
Prefer email? team@allin1commerce.com