We help small businesses and startups find capital. That’s who we are.
But Overlap Capital is more than a funding service—we’re a strategic partner on your path to long-term business growth. By combining creative financing solutions with fractional CFO guidance, we help founders build lasting momentum. Whether you’re navigating your first round of working capital or scaling a multi-state retail operation, we connect you with smart funding tailored to your journey—not a generic one.
Why We Exist
In today’s lending market, small business owners often face a fractured landscape—banks move slowly, venture capital is selective, and most online lenders offer cookie-cutter solutions that overlook the unique dynamics of startups. Overlap Capital was created to solve this.
We know the truth: capital alone isn’t enough. It’s not just about how much you can borrow—it’s about what you’re building, how you use it, and how your business strategy supports it. That’s why we’ve built a model that goes far beyond approvals. At Overlap Capital, we guide you from application to outcome with funding solutions that are as thoughtful as your business plan.
“Business success is rarely about access alone. It’s about alignment—between capital and purpose, leadership and execution, technology and timing.”
— Al Nolan, Principal Advisor, Overlap Capital
What We Do
Overlap Capital is a capital sourcing consultancy that specializes in helping small businesses, early-stage startups, and undercapitalized founders unlock the funding they need to grow. Our offerings fall into two categories:
1. Creative Lending Solutions
We work with a vetted network of alternative lenders, credit unions, fintechs, and revenue-based funders to help clients secure:
- Revenue-Based Loans
- Business Credit Lines
- Term Loans
- Credit Union Funding
- Equipment Financing & Leasebacks
- Receivables Factoring
- SBA Loans
- Business & Personal Credit Products
Our process ensures that applications are soft-pull only, tailored to your industry and credit profile, and designed to optimize both speed and structure. We don’t just point you to a form—we map your eligibility and walk you through underwriting logic so you understand how and why decisions are made.
2. Fractional CFO Services
Where most funding firms stop at approvals, we dig deeper. With our fractional CFO support, clients receive:
- Cash flow strategy
- Financial modeling
- Credit optimization
- Use-of-funds roadmapping
- Business tax planning
We serve as an ongoing financial partner, helping businesses align capital with long-term goals. Because getting funded is just the beginning. Staying funded—and scaling profitably—is where we shine.
Who We Serve
- Startups & Founders looking for their first capital injection without diluting equity
- Retail operators expanding into new storefronts, product lines, or logistics
- Technology entrepreneurs seeking short-term working capital or term loan options
- Consultants & creatives building out teams, buying equipment, or increasing production
- Minority-owned businesses needing help navigating lender requirements and funding readiness
Whether you’ve been in business for 3 months or 3 years, we have options. We are proud to support owners who are often overlooked by traditional banks and lending networks.
Why We’re Different
Most “funding” companies are nothing more than affiliate engines, pushing clients toward generic credit cards or high-interest merchant advances. At Overlap Capital, we’re not here to load you with debt—we’re here to build your business.
We are not a credit card vending machine. We are not a call center disguised as a capital source. We are not just another “fast money” startup pushing terms you can’t afford to keep.
Instead, we bring:
- Transparent strategy — You’ll always know what we’re recommending and why.
- Real relationships — You’ll speak directly with advisors who understand small business.
- Integrated support — We help you plan, forecast, and manage your financial decisions.
- Lender intelligence — We understand what underwriters are looking for and help you meet them halfway.
Our clients often tell us they didn’t know this level of care and intelligence existed in the lending space. We take that seriously.
Why Al Nolan
Al Nolan, the Principal Advisor at Overlap Capital, brings over 20 years of enterprise and digital transformation leadership to the funding world. With a track record that includes leading eCommerce innovations for Michaels Stores, MoMA, and Weight Watchers, and launching startup ventures like Notearise, Al knows both sides of the funding table—corporate scale and entrepreneurial risk.
Al most recently served as Head of Technical Consulting at Bottle Rocket (an Ogilvy Experience company), helping enterprise clients from Sonic Automotive to Albertsons solve multi-million dollar technology/business architecture problems. He’s also a certified Solution Architect, Financial Services Practitioner, Project Management Professional®, a SAFe® 5 Agilist, and a lifelong advocate for diversity, equity, and inclusion in technology and business.
His mission at Overlap Capital is clear: to eliminate the disconnect between small business potential and institutional funding access. With a mind for systems and a heart for small business, Al leads a new era of capital sourcing—one that prizes creativity, clarity, and shared growth.
The Overlap Mindset
We named our firm “Overlap” for a reason: because capital intersects with every part of your business—your strategy, your operations, your risk tolerance, your team. That’s why we don’t treat funding like a one-off task. We treat it like the beginning of a relationship.
In every engagement, we look for the overlap between:
- Vision and viability
- Funding and financial discipline
- Scale and sustainability
And from that intersection, we help our clients build companies that last.
Let’s Build Your Capital Stack
If you’re ready to explore your lending options—without the pressure or confusion—we’re ready to help. You can view pre-qualified programs without hard credit checks and apply at no cost or commitment. Whether you’re after $10,000 in working capital or $250,000 in strategic funding, Overlap Capital helps you build a stack that works for your growth.
We’re not here to sell you a product. We’re here to build a plan.
Contact us to schedule your strategy call today.
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