All Commercial Capital structures customized commercial loan solutions for businesses, offering construction financing, bridge loans, and commercial real estate funding through a network of nationwide lenders.
Editorially reviewed by Harvey Brooks
All Commercial Capital positions itself as a commercial lending broker specializing in custom financing solutions for businesses that don't fit traditional bank criteria. Founded in 2015, the company has developed expertise in structuring complex commercial loans by partnering with multiple lenders nationwide rather than operating as a direct lender. The firm emphasizes efficiency and effectiveness in packaging loans tailored to specific business needs and industry requirements.
The company offers a diverse range of commercial financing products including standard business loans, construction financing for non-residential properties, bridge loans, hard money loans, land loans, and commercial real estate financing. According to their website, they have funded loans ranging from $1.5MM to $4MM+, with documented success stories in restaurant refinancing, multifamily apartment purchases, and townhome community refinancing. Their approach centers on understanding borrower needs first, then matching those needs with appropriate lenders from their network.
All Commercial Capital distinguishes itself by claiming to move beyond one-size-fits-all banking approaches through in-house experts who create custom solutions. Testimonials from referral sources like brokers indicate responsiveness and successful deal closures. The company highlights their nationwide lender network as a key advantage over traditional banks with limited options. They also promote their ability to handle complex situations such as 1031 exchanges and transitions from high-interest SBA debt.
However, several limitations should be noted. The company provides no specific interest rates, terms, or qualification criteria on their website, requiring applicants to contact them directly for quotes. No information is provided about their compensation structure (whether they charge origination fees, broker fees, or other costs). As a broker rather than direct lender, approval ultimately depends on third-party lenders, and response times or approval rates are not disclosed. The website metrics showing amounts "funded since 2015" display as zeros, suggesting incomplete or outdated website maintenance.
Yes. All Commercial Capital is a registered company headquartered in 1528 Walnut St # 1602, Philadelphia, PA 19102. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
All Commercial Capital is best suited for commercial real estate investors and business owners with loans exceeding $1MM who have complex financing needs that traditional banks won't accommodate. The primary caveat is that as a broker rather than direct lender, borrowers must contact the company for any pricing/terms information, and final approval depends on third-party lenders with undisclosed approval rates and timelines.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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