Who makes the final decision on whether or not to extend credit to a client of All Team?

According to All Team's 2025 Franchise Disclosure Document, the franchisee (referred to as USER) has the final decision on extending credit to clients, even though ATFC (All Team Franchise Corporation) provides a credit investigation service through a third party. This means that while All Team offers a credit check service, the franchisee ultimately decides whether to extend credit to a customer. All Team is not responsible if the customer does not pay or for the customer's creditworthiness, nor is All Team responsible for the accuracy of information provided by third parties.

This arrangement places the credit risk and responsibility for customer payment on the franchisee. Even though All Team provides a credit report, the franchisee must evaluate the information and make an independent judgment about extending credit. If a customer does not pay, the franchisee bears the loss, not All Team.

The franchisee may also be charged for the cost of credit reports. This highlights the importance of the franchisee's role in carefully assessing credit risks and managing customer relationships to minimize potential losses from non-payment.

This is a somewhat unusual arrangement in the franchise world, where franchisors often dictate credit policies or assume some credit risk. Prospective All Team franchisees should carefully consider their risk tolerance and credit assessment capabilities before investing.