Commercial Credit & Payment Protection

Protect Commercial Lending & Credit Portfolios with White-Label Risk Solutions

All Shield empowers lenders, fintechs, and institutional credit providers to launch turnkey protection programs that reduce default risk and improve borrower retention. Whether you’re underwriting B2B receivables or offering commercial cards, our API-ready platform manages onboarding, claims, and compliance under your brand.

Why Lenders & Underwriters Choose All Shield

Our Commercial Credit Risk Capabilities

Residual Value Risk Coverage (2)

Residual Value Risk Coverage

Protect borrowers from job loss, disability, or financial hardship. Our platform automates eligibility checks, claim triggers, and regulatory notices—reducing delinquency without added overhead.

  • Coverage: involuntary unemployment, medical leave, business hardship
  • Built for: merchant financing, small business lending, and LTO portfolios

Compliance-ready claims workflows and user communications

Credit Default Protection

Credit Default Protection

Mitigate risk from B2B borrower defaults and past-due receivables. Designed for equipment lenders, invoice factoring, and platform-based underwriting.

  • Default protection for term loans, commercial leases, and credit lines
  • Dynamic risk modeling and payout triggers
  • Optional reinsurance and captive structuring
Deferred Payment & Income Interruption Coverage

Deferred Payment & Income Interruption Coverage

Stabilize borrower operations during invoicing delays, seasonal downturns, or supply chain disruptions.

  • Custom triggers: deferred invoices, vendor slow-pay, service freeze
  • Ideal for: construction, logistics, multi-site SMBs
  • White-labeled policy flows with bilingual client support
Sector Use Cases

Use Cases by Industry

IndustryRisk Focus
Equipment LeasingMissed lease payments, early termination
Merchant FinancingJob loss, business shutdown
Invoice FactoringReceivables default, contract disputes
Commercial CardsPayment protection, hardship triggers
Built for Compliance and Clarity

Built for Compliance and Clarity

  • Audit-ready logs for FSRA and PIPEDA
  • Real-time risk exposure dashboards
  • Co-branded customer portals
  • Policy-level triggers and automated claim decisioning

Ready to De-Risk Your Credit Portfolio?

From default protection to hardship-triggered payment coverage, All Shield builds and administers custom programs that scale.

F.A.Q

What types of risks does commercial credit protection cover?

All Shield’s programs cover default, involuntary unemployment, business hardship, and income interruption, reducing delinquency and portfolio risk.

Programs are built for merchant financing, equipment leasing, invoice factoring, and commercial card providers, all delivered under your brand.

Every program is FSRA, PIPEDA, and Quebec Bill 64 aligned, with audit-ready logs, automated disclosures, and bilingual policy communications.

Most lenders go live in under 45 days, with API-ready integration into CRM, ERP, and underwriting platforms.

What our clients say

From manufacturers and service networks to individual customers, our partners trust All Shield to deliver clarity, speed, and reliability. Here’s what some of them have to say about working with our team.

Ready to learn more? We’re here to help

Reach out to us today to discover how All Shield can provide you with the protection you deserve.

Contact Us Today

Commercial Risk Program Solutions

Commercial Credit & Payment Protection

Protect Commercial Lending & Credit Portfolios with White-Label Risk Solutions

All Shield empowers lenders, fintechs, and institutional credit providers to launch turnkey protection programs that reduce default risk and improve borrower retention. Whether you’re underwriting B2B receivables or offering commercial cards, our API-ready platform manages onboarding, claims, and compliance under your brand.

Why Lenders & Underwriters Choose All Shield

Our Commercial Credit Risk Capabilities

Small business owner reviewing laptop screen showing job loss and business hardship payment protection approval
Protect borrowers against job loss, disability, and business hardship with automated claim workflows

Payment Protection Programs

Protect borrowers from job loss, disability, or financial hardship. Our platform automates eligibility checks, claim triggers, and regulatory notices—reducing delinquency without added overhead.

  • Coverage: involuntary unemployment, medical leave, business hardship

  • Built for: merchant financing, small business lending, and LTO portfolios

Compliance-ready claims workflows and user communications

Credit Default Protection

Mitigate risk from B2B borrower defaults and past-due receivables. Designed for equipment lenders, invoice factoring, and platform-based underwriting.

  • Default protection for term loans, commercial leases, and credit lines
  • Dynamic risk modeling and payout triggers
  • Optional reinsurance and captive structuring
Financial analyst reviewing risk dashboards with borrower default protection and payout triggers
Reduce portfolio risk with default coverage for loans, leases, and commercial credit lines
Logistics warehouse with delayed shipments and invoices, showing deferred payment protection dashboard
Stabilize borrower operations during invoicing delays, supply chain disruptions, or seasonal downturns

Deferred Payment & Income Interruption Coverage

Stabilize borrower operations during invoicing delays, seasonal downturns, or supply chain disruptions.

  • Custom triggers: deferred invoices, vendor slow-pay, service freeze
  • Ideal for: construction, logistics, multi-site SMBs
  • White-labeled policy flows with bilingual client support

Sector Use Cases

Industry

Risk Focus

Equipment Leasing

Missed lease payments, early termination

Merchant Financing

Job loss, business shutdown

Invoice Factoring

Receivables default, contract disputes

Commercial Cards

Payment protection, hardship triggers

Collage showing equipment leasing, merchant financing, invoice factoring, and commercial cards with risk protection
Coverage tailored for equipment lenders, merchants, invoice factoring, and commercial card providers
Compliance officer reviewing bilingual policy documents with FSRA, PIPEDA, and Bill 64 logos
Audit-ready credit protection programs aligned with FSRA, PIPEDA, and Quebec Bill 64

Built for Compliance and Clarity

  • Audit-ready logs for FSRA and PIPEDA
  • Real-time risk exposure dashboards
  • Co-branded customer portals
  • Policy-level triggers and automated claim decisioning

Ready to De-Risk Your Credit Portfolio?

From default protection to hardship-triggered payment coverage, All Shield builds and administers custom programs that scale.

FAQs

All Shield’s programs cover default, involuntary unemployment, business hardship, and income interruption, reducing delinquency and portfolio risk.

Programs are built for merchant financing, equipment leasing, invoice factoring, and commercial card providers, all delivered under your brand.

Every program is FSRA, PIPEDA, and Quebec Bill 64 aligned, with audit-ready logs, automated disclosures, and bilingual policy communications.

Most lenders go live in under 45 days, with API-ready integration into CRM, ERP, and underwriting platforms.

What Our Clients Are Saying