CapAdvise™ does not require a credit check to provide its initial on-screen indication of funding options. That allows a business owner to explore possible paths without treating a preliminary review like a final application.
That initial indication is not an approval, commitment, or offer to lend. Overlap Capital does not guarantee funding.
What may happen later
A lender or funding source may request personal or business credit information, bank statements, financial statements, tax returns, identification, ownership records, collateral information, or other documentation before making a decision.
Depending on the product and provider, a later stage may involve a soft inquiry, hard inquiry, or another form of verification. The provider should disclose that process before it occurs.
Why the distinction matters
Prequalification helps identify direction. Underwriting determines approval. Confusing the two creates bad expectations and rushed decisions.
CapAdvise™ is designed to narrow the field, explain what may fit, and help the owner approach the next step with a more complete file.
Practical takeaway: No credit check applies to the initial CapAdvise™ indication, not necessarily to a lender’s final underwriting process.