Window 01 — Problem Recognition
We Keep Getting Declined
Revenue is strong. Deposits are consistent. But every application comes back the same way — declined. The issue isn't your business. It's how your financial profile is being read.
Bank Rejection
Credit events, tax liens, or prior defaults flagging your application before a human even reviews it.
Daily ACH Withdrawals
Daily or weekly automatic debits eroding cash flow stability and making your bank account look volatile.
MCA Stacking
Multiple merchant cash advances creating compounding repayment pressure and overlapping obligations.
Unbankable Profile
Strong revenue, consistent deposits — but a credit file that doesn't match the business performance.
"We make money... but no one will fund us properly."
Window 02 — Restructuring Engine
We Rebuild You for Funding
Werkwallet restructures your financial profile — converting fragmented payment obligations into a clean, lender-ready funding application.
Before
Daily / weekly ACH withdrawals
After
One structured monthly payment
Before
Multiple stacked MCAs
After
Long-term consolidation program
Before
Volatile bank account activity
After
Stable revenue profile for underwriting
Before
Unbankable credit file
After
Lender-aligned funding application
Restructured funding range
$50,000 → $2,000,000+
From fragmented cashflow → structured monthly funding profile
Window 03 — Decision Mapping
Matched to Real Funding Paths
Decline reason routing
Window 04 — Assessment
Start Your Funding Assessment
2-minute structured analysis of your funding profile. No credit impact. No commitment.
We analyze
Your report includes
- Eligible funding pathways
- Restructure options
- Estimated funding range
- Lender routing eligibility
All offers are subject to lender approval. No impact to your credit score.