Disclosures

Funding Estimates

All funding potential estimates, Funding Readiness Scores, and projected outcomes provided by Valens Capital are analytical estimates based on available data. They are not offers, commitments, or guarantees of funding from any institution. Actual funding outcomes depend on many factors including but not limited to: individual lender criteria, current market conditions, the accuracy of provided information, and factors not captured in our analysis.

Not a Lender

Valens Capital is not a lender, credit repair organization as defined by federal or state law, or credit reporting agency. We provide analytical and strategic consulting services. We do not make lending decisions, extend credit, or guarantee that any credit repair outcome will occur.

Credit Report Analysis

Our credit report analysis uses automated parsing combined with human review. While we strive for accuracy, parsed data should be verified against source documents. Potential reporting inconsistencies identified by our system are observations, not legal determinations. Professional credit counseling or legal advice should be sought for dispute-related decisions.

Lender Information

Lender criteria, product details, and underwriting information in our database is compiled from various sources including official publications, observed outcomes, analyst research, and industry data. This information may not reflect current lender policies and should be verified before making application decisions. Source type and confidence levels are noted for each criterion in our system.