You've Been Declined
Don't immediately submit another application. First determine what funding path may fit your situation.
Funding options for business owners
Don't apply blind.
If you've been declined, have multiple MCA balances, tax issues, judgments, NSF activity or credit challenges, don't guess which funding option to pursue next.
- Tax liens
- Judgments
- Multiple MCA balances
- NSF activity
- Prior declines
Find My Funding Options
2-minute Funding Assessment • No impact on your credit score
Funding Assessment
~2 minWhat's your biggest funding challenge right now?
- I was declined elsewhere
- I have multiple MCA balances
- I need working capital
- I want to expand or acquire
- I need a larger long-term capital solution
Your answers help determine which funding paths may be worth exploring.
2-Minute
Funding Assessment
No Credit Score Impact
to assess your options
Multiple Funding Paths
in one place
Built for Real Businesses
with real-world challenges
Your business may be stronger than your funding profile looks.
A bank decline, recent NSF activity or existing financing doesn't automatically tell the whole story.
Multiple MCA Balances
Existing daily payments can put pressure on cash flow. Explore whether consolidation may be worth considering.
Tax Issues
Tax liens and related issues can complicate traditional financing. Your situation deserves a closer look.
Judgments
A judgment may affect eligibility, but it doesn't mean every potential funding path is closed.
NSF Activity
Recent bank activity matters. So do revenue, deposits, business history and the overall financial picture.
Credit Challenges
Your personal credit score is one part of the picture. We help identify options based on the broader profile.
One simple process.
You don't need to become an expert in business financing. Start by telling us about your business.
Step 01
Tell Us What's Happening
Answer a few questions about your business, revenue, credit profile and current funding situation.
Step 02
Find Your Potential Path
Your information helps determine which funding categories may be appropriate to explore.
Step 03
Take the Next Step
If an option appears to fit, we'll guide you through the next stage of the process.
Don't choose the product first. Find the path first.
Depending on your business and financial profile, potential funding paths may include:
SBA Financing
Longer-term capital for qualifying businesses, including eligible growth and expansion needs.
Bank Term Financing
Traditional structured capital for businesses that meet applicable qualification requirements.
Business Credit Lines
Flexible access to capital for qualified businesses with ongoing working-capital needs.
MCA Consolidation
Potential solutions for businesses carrying multiple merchant cash advance obligations.
Stop applying everywhere. Start applying intelligently.
Werkwallet is designed for business owners who don't fit neatly into a perfect borrower profile.
Start with your situation
Not with a product you may not qualify for.
Understand your potential options
See which funding categories may fit your profile.
One place to start
Explore multiple potential funding paths through one process.
Built around real business situations
Including complicated financial profiles and previous declines.
What Clients Are Saying
Real business owners. Real experiences. Real financing solutions.
Paula
Home Health Care
Funding example
$35,000
J. Demolition
Construction
Funding example
$100,000
Robotics & Automation Company
Technology
Funding example
$150,000
Florida Auto Body
Automotive
Funding example
$250,000–$500,000
Dental Practice
Healthcare
Funding example
$20,000
Find out what may fit before you apply again.
Complete the 2-minute Funding Assessment and tell us what's happening with your business.
Find My Funding Options
No impact on your credit score. After you submit, an advisor reaches out as soon as possible by call or email.