Does All Team offer direct or indirect financing to franchisees, other than what is described?

According to All Team's 2025 Franchise Disclosure Document, aside from the described payroll funding program, All Team does not offer direct or indirect financing to franchisees and does not guarantee any financial obligations.

All Team offers a payroll funding program, at its discretion, based on the availability from its lending institutions and the franchisee's creditworthiness. If approved, the franchisee will sign a Funding Agreement with a 3-year term that automatically renews for additional 1-year terms. Under this agreement, All Team purchases the franchisee's customer invoices, which become All Team's accounts receivables, each week minus a Deferred Share, which is currently 20% of the accounts receivables. All Team will advance the franchisee the 80% balance of the accounts receivables less certain fees and expenses.

The franchisee is responsible for depositing the funds received from All Team into their business account to cover payroll checks, related payroll taxes, and operating expenses. All Team will bill the franchisee's customers directly under "All Team Staffing" and the franchisee's name, with payments remitted to All Team's designated financial institution. The franchisee will pay All Team a one-time Funding Fee of 1.5% of the customer invoice value at the time All Team purchases the customer invoice. If a customer invoice is not paid within 30 days, All Team will charge an Accounts Receivable Service Charge of 0.05% per day of the outstanding amount, up to 90 days from the invoice date.

Franchisees should be aware that All Team retains a security interest in their accounts receivable until all amounts due are paid, and franchisees are required to sign a Security Agreement. Franchisees must also indemnify All Team in the event of any suit resulting from the Funding Agreement, including responsibility for reasonable attorneys' fees. Any disputes are to be settled by mediation, with the prevailing party entitled to collect reasonable attorney's fees.