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The small business economy

Smarter decisions for a stronger tomorrow.

Small businesses are 99% of American employers. All Fair gives them – and the institutions that back them – the data infrastructure that larger enterprises take for granted.

Get Access▶How it works
Real businesses.
Real people.

  • Costs keep rising.

    Know what every product keeps.

  • Cash comes and goes.

    See the month ahead.

  • Lenders want numbers.

    Share them on your terms.

All Fair, for owners and the lenders, chambers and advisors who back them.

Who it's for

Everyone who helps you needs the same story. All Fair helps you tell it once – and keeps it current.

Revenue in one tool, expenses in another, inventory in your head – so every lender, accountant and program asks for the numbers again. Hover the picture: the edges show what one record is worth, the layer shows what runs on it.

Your businessSOURCE OF TRUTHA record that works for you.Price, true cost, margin, months of cash – always current.For small businesses
Capital partnersCommunity lenders · CDFIs · banksDecide on live numbers.Lend on what the business is doing now, and offer help while it can still change the outcome.For partner organizations
CustomersStorefront · marketplaces · socialKnow what actually sells.Every channel lands in one model – what sells where, and what it truly earns once costs are in.For small businesses
Business service providersAccountants · fractional CFOs · legal · insuranceStart at the advice.Walk into the session already knowing the numbers, instead of spending the hour rebuilding them.For partner organizations
Government & civicSBA · SBDCs · chambers · city programsImpact as a by-product.Coming soonJobs and growth, measured the same way across the program.For partner organizations
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How it works

From a shoebox of receipts to numbers everyone trusts.

Shown with a sample café, Luster Coffee. Show a business like mine →

Step 01 · Upload

Bring what you already have.

Receipts, bank statements, a spreadsheet only you understand – photos, PDFs, anything. All Fair reads them and builds your books, with no re-typing and nothing to connect. When you choose to share, the lender or advisor backing you sees the same clean numbers, with no files to send back and forth.
See how onboarding works →

Building your books · Luster Coffee

Six documents – a supplier receipt, an invoice, a bank statement, a sales spreadsheet, a handwritten note and a card payout slip – are read, and four figures become rows in your books.

Found in your files

Oat milkMaterials$12.40
Rent, Main StRent & bills$2,100.00
Latte × 1,680Sales$7,980.00
Barista timeLabor$0.60 / cup

Your 5 products

LatteCappuccinoCold BrewPastriesFood
Your books are ready · 5 products · 38 cost lines · 9 vendors
A $4.75 latte with $1.20 of milk and beans – does a barista make about 40 an hour?

Step 02 · Understand

See what each product really earns.

A price is four numbers: what it costs to make, the barista’s time, its share of operating expenses, and what you keep. All Fair works each one out from your books – which is how you find out that Food, your busiest line, pays $2,440 of its $3,265 share of operating expenses – and brings people in. Your partners see the same product-level picture, so support goes where it counts.
See the whole model →

What’s in a $4.75 latte · Luster Coffee

  1. Milk and beans$1.20from your supplier invoices
  2. Barista time$0.60$24 an hour ÷ 40 lattes an hour
  3. What you keep$0.60what’s left – 13% of the price

Same maths, every product – kept per sale:

  • Latte+$0.60
  • Cappuccino+$0.70
  • Cold Brew+$0.63
  • Pastries+$0.03
  • Foodbrings people in−$0.36

Food covers $1.07 of its $1.43 share on every sale, and 4 in 10 food orders include a drink – price it, don’t cut it.

Step 03 · Decide

Try a new price before you reprint the menu.

Take the same latte. Move its price from $4.75 to $5.25, or let milk get dearer, and watch the month’s profit change line by line. You test a decision before you make it – and the people backing you see the plan behind the ask. This is live – try it.
Explore forecasting →

What if a latte cost more? · Luster Coffee, one month

Each latte keeps $0.60 · today it keeps $0.60

cost to makeshare of operating expenses $2.35kept

Latte price$4.75
$4.25today $4.75$6.00
Cost to make onemilk, beans and barista time$1.80
$1.20today $1.80$2.60
The café’s month, today and with your changes
LineTodayYour planChange
Sales$33,847$33,847–
Cost to make($14,934)($14,934)–
Operating expenses($16,713)($16,713)–
Interest & tax($1,100)($1,100)–
Net income$1,100$1,100–

Over a year: the same as today

Try it with your own receiptsFund or advise small businesses? See the partner view →

Better tools. Bigger opportunities.

Whether you run one business or back a hundred, All Fair gives you the clarity to make the next decision well.

See plans & pricingBook a demo

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