Funding Assessment

One of the most difficult challenges restaurateurs, retailers and many other business owners face is quick access to the working capital they need for cash flow, expansion projects, renovations, equipment purchases, inventory and more. At Overlap Capital, we eliminate the hassles and long wait that comes with a traditional bank loan or the uncertainty and high rates from a Merchant Cash Advance. With us there’s fast approvals, quick fundings custom loan products, and perfect credit is not a barrier. Complete the assessment below to get started.

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Basic Information – Step 1 of 4

Legal Business Name:

Please list your business’ full legal business name. This helps us accurately begin our behind-the-scenes assessment process.

Your Name:

First

Middle

Last

Your name helps us confirm your identity in our systems.

Your Personal Email

After submission we will use your email address to begin your business funding journey with Overlap Capital.

Your Personal Phone:

We will be giving you a call within 24 hours to schedule and/or confirm your conversation with a Capital Advisor. We may also be contacting you via SMS to arrange as well.

Now We Need More Details About Your Business

Date Business Was Started:

The age of your business will become a key component in de-risking your business for capital. If you are unclear about the date be as accurate is possible. Or if recently acquired, time in business is how long have you owned this business (first day of revenue since the guarantor took over the business)?

State Business is Registered In:

Businesses outside of the above states can be funding using our external partners.

any Personal Score

Ownership

Number of people (owners, members, shareholders, partners, etc.) own more than 20% of this business?

Business Website:

Your business website will give us insight into capital raising strategies. Underwriters and investors often visit your website to understand the services your provide and your messaging to your customers.

Business Phone:

A business phone number could separate you from your competitors. Having a business phone number separate from your personal number could mean the difference between lower or higher capital options.

Business Address:

Address Line 1

Address Line 2

City

State

Zip Code

Please list the address of principal operations of your business.

Does your business have an EIN?

An Employer Identification Number (EIN) is most notably used to establish a business’ independence from any other entity. This is critical for the capital raising process.

Business Major Industry Focus:

Here we want to establish the industry your company is considered as doing business in. We will compare it to our eligible NAICS list to explore your funding options.

Now We Need More Details About Your Personal Credit

Do you have a bankruptcy showing on any credit report?

Bankruptcies are typically the largest hinderance in pursuing lending options. We want to understand your situation as much as possible before proceeding.

Are there judgments, liens, or charge-offs on any credit report?

Judgements, liens, charge-offs are typically a major hinderance in pursuing lending options. Though there are still options. We want to understand your situation as much as possible before proceeding.

Are you a homeowner?

Owning a primary residence can sometimes play a large role in conversations with potential lenders.

Personal annual income of this business owner:

This is your total annual personal salary or total owners withdrawals.

FICO® Score

Please take your best estimate of the average between your personal Transunion, Experian & Equifax credit FICO® 8 Scores.

I/We hereby give permission to Overlap Capital LLC (“Overlap Capital”), or any agent or credit reporting agency that it may designate, to obtain any and all information concerning my/our assets and other credit matters, which they may require in connection with this credit Application.

I/We specifically acknowledge(s) and agree(s) that (1) all statements which I/we have made in this Application are made for purposes of obtaining the financing, (2) verification and reverification of any information which I/we have supplied in connection with this Application may be made at any time by Overlap Capital, either directly or through a credit reporting agency, from any source named in this Application and the original copy of the Application will be retained by Overlap Capital, even if the financing is not approved, (3) Overlap Capital will rely on the information which I/we have supplied herein and I/we have the continuing obligation to amend and/or supplement that information if any of the material facts which I/we have represented should change prior to the total obligations under the credit Agreement being paid in full and (4) each Guarantor, upon request from time to time by Overlap Capital, will provide Overlap Capital with financial statements and such other information as Overlap Capital deems appropriate, all in form and detail satisfactory to Overlap Capital.

This Application is part of a credit review process and additional information may be required. I/we authorize Overlap Capital to submit this Application and any credit reporting information obtained by Overlap Capital in connection herewith from credit reporting agencies to one or more banks or lending institutions. Any institution considering this Application will make its own credit decision regarding this Application. The sales representative submitting this Application cannot extend credit or commit to any financing or funding until a credit decision has been made by the appropriate institution.

How does this process work?

Complete the assessment to and set up a call to hear you offer options for amount, rate and term.

Is there an impact on credit?

Soft credit pulls are used to obtain offers. Hard pulls are done at funding only.

Do I get a funding advisor?

Yes, a dedicated advisor will work with you to obtain the capital you need.

Am I going to get contacted by lenders?

Lenders only contact you after you accept their funding offers.

Does it cost anything to apply?

There are no costs involved in receiving offers. There are closing fees.

Am I under any obligation?

You are under no obligation to accept any funding offers.

If I have questions who do I talk to?

After submitting, you are provided the email and phone number of your funding advisor.

Now We Need More Details About Your Business

Now We Need More Details About Your Personal Credit

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