Getting started is easy. Simply click the Credit & Funding tab on our website and complete the OFS Financial Strategy Review. We'll learn more about your financial goals, review your credit profile, and determine the best path forward based on your unique situation.

In most cases, yes. A strong personal credit profile is one of the most important factors lenders consider when evaluating funding applications.That's why every client begins with an OFS Financial Strategy Review. We'll evaluate your credit profile to determine whether you're currently funding-ready or if improving your credit should be the first step.If your profile isn't ready today, we'll create a personalized strategy designed to strengthen your approval potential before pursuing funding opportunities.

If we determine you're not currently funding-ready, we'll explain why and provide a personalized action plan to help strengthen your financial profile. Depending on your situation, we may recommend credit improvement, reducing credit utilization, or other funding readiness strategies before submitting applications.Our goal is to position you for stronger approvals--not unnecessary denials.

We help qualified clients prepare for a variety of funding opportunities, including: Personal Credit CardsPersonal Lines of CreditBusiness Credit CardsBusiness Lines of CreditWorking CapitalEquipment FinancingBusiness LoansEvery recommendation is based on your financial profile and funding goals.

Funding amounts vary based on your credit profile, income, business profile (if applicable), existing debt, and other underwriting factors.During your Financial Strategy Review, we'll evaluate your profile and discuss funding opportunities that may allign with your qualifications.

For many business funding opportunities, yes. Most lenders require an active business checking account before funding can be deposited.If you don't currently have one, we'll discuss the next steps during your strategy review.

Some funding applications may result in a hard inquiry, while others begin with a soft inquiry. Before moving forward, we'll discuss the application process so you understand what to expect.

No. All funding decisions are made solely by the lending institution, and no company can ethically guarentee an approval. Our role is to evaluate your financial profile, identify opportunities for improvement when needed, and strategically position you for the strongest possible approval potential before applications are submitted.

Many funding companies focus on submitting applications. At Overtime Financial Solutions, we beleive funding starts with preparation.Before recommending funding opportunities, we evaluate your credit profile, understand your financial goals, and determine whether you're positioned for approval. If improvements are needed, we'll help you build a stronger financial foundation before moving forward. We don't beleive in chasing approvals--we beleive in positioning our clients for them.