What All Clear does

AllClear Decisioning, LLC is a South Florida-based FinTech technology company established in 2019 that develops white-label digital platforms for enterprises in regulated industries. The company positions itself as a 'strategic technology ally' offering 'technology under your brand,' with a multi-tenant SaaS architecture supporting branded deployments across Financial Services, Government, Healthcare, Banking, Insurance, Investments, Mortgage, and Real Estate. Named enterprise clients include Consolidated Credit (debt relief), Debt.com (debt solutions), and Broward Health (healthcare), each deploying AllClear's technology under their own brand identity.

The platform is delivered as four core services—Digital Transformation, Enterprise Software, SaaS Platforms, and Web & Native Apps—combined with twelve solution modules including Workflow Automation, Real-time Decision, Customer Self-Service Portals, Role-based Dashboards, Unified Customer Experience Platforms, Mobile-First Solutions, API/Web Services, Automated Document Management, Cross-Platform Integrations, Legacy System Integrations, Vendor Solution Integrations, and Multi-Tenancy Architecture. Engineering focus is on integrating modern SaaS with legacy infrastructure, enabling gradual digital transformation for organizations operating under regulatory constraints. Leadership comprises FinTech veterans credited with prior experience developing technology for major financial sector players.

Commercially, AllClear generates revenue through technology licensing and white-label partnerships, recurring SaaS subscriptions, and custom professional services, delivered via a direct consultative enterprise sales motion targeting C-level buyers (President, SVP/CFO). Pricing is custom and not publicly disclosed; prospects engage through a 'Partner With Us' contact flow. The company remains privately held with no disclosed external funding, 11-50 employees, single US-based headquarters in Davie, FL, and no disclosed subsidiaries, M&A, or international operating footprint.

Name

All Clear

Legal name

AllClear Decisioning, LLC

Website

https://allclear.ai

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

AllClear Decisioning, LLC is a South Florida-based FinTech firm founded in 2019 that builds white-label multi-tenant SaaS platforms—workflow automation, real-time decisioning, and legacy integration—delivered as branded technology for enterprises in financial services, healthcare, government, and related regulated industries.

Ownership category

akta.pro rank

Product category

Enterprise FinTech Software

NAICS

Computer Systems Design and Related Services (54151), Computer Systems Design and Related Services (5415)

SIC

Services-Computer Integrated Systems Design (7373), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB)

akta.pro secondary industries

Underwriting Automation & Income/Employment Verification (FSAGAHAD), Business Rules & Decision Management Platforms (BRMS/DMN) (HDAEAKAG)

Keywords

• White-label fintech
• Digital transformation
• SaaS platforms
• Workflow automation
• Legacy system integration

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. Technology Licensing & White-Label: AllClear provides technology solutions under the client's brand, positioning itself as a strategic technology ally rather than a direct vendor. The exclusive partnership model and 'Technology Under Your Brand' messaging indicate a licensing or OEM-style revenue structure where clients deploy AllClear's technology as their own platform.
2. Professional Services: Custom technology solutions and digital transformation engagements likely include implementation, configuration, and ongoing support services as part of the partnership model.
3. SaaS Platform Subscription: The company offers SaaS Platforms as one of its core product offerings, suggesting recurring subscription revenue from hosted and managed technology services.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

AllClear Decisioning provides tailored FinTech technology solutions and white-label software platforms to enterprise and mid-market clients. Its core offerings include Digital Transformation, Enterprise Software development, SaaS Platforms, and Web & Native Apps, delivered under the client's brand with multi-tenancy architecture, real-time decisioning, workflow automation, and legacy system integration capabilities.

Product overview

AllClear Decisioning is a FinTech technology company established in 2019 and headquartered in South Florida, offering tailored technology solutions and products. The company's portfolio includes four core service offerings: Digital Transformation, Enterprise Software, SaaS Platforms, and Web & Native Apps. These are delivered through a modular solution suite comprising Workflow Automation, Real-time Decision, Customer Self-Service Portals, Role-based Dashboards, Unified Customer Experience Platforms, Mobile-First Solutions, API/Web Services, Automated Document Management, Cross-Platform Integrations, Legacy System Integrations, Vendor Solution Integrations, and Multi-Tenancy Architecture. The company operates across multiple industries including Financial Services, Government, Healthcare, Banking, Insurance, Investments, Mortgage, and Real Estate, with a focus on exclusive partnerships where technology is delivered under the client's brand.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Transformation Tailored digital transformation consulting and solution delivery to help businesses modernize their technology infrastructure and processes across financial services, healthcare, and government sectors.
• Enterprise Software Custom enterprise software development and deployment for large-scale business operations across regulated industries.
• SaaS Platforms Software-as-a-service platform solutions providing scalable, cloud-based applications deployed under client brands with multi-tenancy architecture.
• Web & Native Apps Custom web and mobile application development for business needs across consumer-facing and enterprise workflows.

Quantifiable outcome

• Higher approval rates maintained during COVID-19 pandemic using touchless solution
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Three partnerships are on record, tiered core.

• Consolidated CreditcoreOEM/ Whitelabel/ Licensing PartnerConsolidated Credit, a debt relief organization, leverages AllClear's technology to streamline their debt relief process. The partnership enables Consolidated Credit to offer innovative technology that empowers people on their journey towards financial stability. Testimonial from President Gary Herman highlights successful collaboration.
• Debt.comcoreOEM/ Whitelabel/ Licensing PartnerDebt.com utilizes AllClear's digital transformation technology to provide Americans with debt solutions that are easy, secure, and accurate. The partnership delivers a personalized, self-directed path for users to enhance their financial well-being. Testimonial from President Don Silvestri recommends the AllClear team.
• Broward HealthcoreOEM/ Whitelabel/ Licensing PartnerBroward Health implemented AllClear's touchless solution which proved critical during COVID-19 when Medicaid numbers were significantly impacted. The healthcare system reports approval rates higher than before the pandemic, demonstrating the solution's effectiveness in maintaining operational performance during disruption.

Scale indicators1 record

Recent moves5 records

Expansion highlights6 records

Emerging players

• Truework: Truework is a focused income and employment verification platform used by lenders, employers, and background-check providers. It is comparable to AllClear's underwriting-automation and verification module and represents the emerging-player category of vertical verification.

Others

• Plaid: Plaid provides open-banking data infrastructure (bank account, income, asset connectivity) that increasingly feeds decisioning engines like AllClear's. It is adjacent infrastructure rather than a direct competitor, but its trajectory toward embedded decisioning tools makes it a strategic ecosystem peer.

Broad incumbents

• Experian: Experian operates a credit bureau alongside analytics, decisioning, and identity products (e.g., PowerCurve). It overlaps AllClear on consumer credit decisioning, income verification, and analytics-led workflow tooling for lenders and financial-services partners.
• Upstart: Upstart operates an AI lending marketplace and credit decisioning platform for banks and credit unions, with a much larger scale and public-market profile. It is a comparable in underlying AI-driven credit decisioning but operates as a broader marketplace incumbent rather than a white-label partner.
• Equifax: Equifax combines a major credit bureau with the Work Number income and employment verification database, directly overlapping AllClear's 'verify assets and income sources' positioning. Its scale and data assets make it a structural incumbent in AllClear's target verticals.
• FICO: FICO is the dominant incumbent in credit scoring and decisioning, offering platforms like FICO Platform and decisioning engines that compete directly with AllClear in regulated lender, banking, and financial-services use cases. Its installed base and brand depth make it the principal incumbent competitor.

Direct peers

• Provenir: Provenir provides a unified risk decisioning platform for fintechs and lenders with real-time decisioning, data orchestration, and white-label deployment capabilities. It is the closest direct comparable to AllClear's real-time decisioning and multi-tenant architecture serving financial-services partners.
• nCino: nCino is a cloud-based banking and lending workflow platform offering real-time decisioning, automated workflows, and integrations with core banking systems. Its target verticals (banks, mortgage lenders, credit unions) and SaaS-platform model closely parallel AllClear's positioning.
• Blend: Blend provides white-label digital lending and workflow platforms for banks, mortgage lenders, and consumer-finance brands. Its multi-tenant, partner-branded deployment approach and emphasis on legacy-system integration closely mirror AllClear's OEM/white-label strategy.
• Zest AI: Zest AI builds machine-learning credit underwriting models and decisioning tools for lenders, directly overlapping AllClear's credit decisioning and underwriting automation use cases. Both target regulated financial institutions seeking ML-based decisioning improvements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/allcleardecisioning

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about All Clear