Been declined before
One “no” doesn't rule out the other five programs.
Funding since 2014 · not a lender — a matching platform
See what you actually qualify for before you apply anywhere else.
Answer a few questions about your revenue, credit, and current situation. In about two minutes, see which of our six funding programs genuinely fit your business — declines, tax liens, and MCA debt included.
Start my funding match
No credit pull to start · No obligation to proceed · Takes about 2 minutes
2014
Matching businesses to funding since
6
Funding programs, one assessment
50 + D.C.
States served nationwide
0
Credit pulls required to see your match
Figures should reflect verified totals before this page goes live.
Your business is stronger than your funding profile looks.
A decline, a lien, or an NSF fee doesn't tell the whole story. Your revenue does. Here's what we actually read past.
MCA balances piling up
Daily payments draining cash flow — consolidation may be on the table.
Tax liens on record
Liens complicate things; they don't automatically disqualify you.
A judgment on the books
It affects eligibility for some programs, not all six.
Uneven bank activity
Deposit history and revenue often matter more than a clean statement.
Personal credit took a hit
Your business is a bigger story than one credit score.
Why the read-past matters
Most declines happen because a single application only asks about one thing — usually a credit score or a clean bank statement. Werkwallet's assessment looks at revenue, deposit patterns, and time in business alongside the parts of your profile that felt disqualifying elsewhere.
That's the difference between hearing “no” once and finding the one program, of six, actually built around your situation.
I don't have time to become a financing expert.
I just need to tell them what's happening with my business and get a straight answer back.
Step 01
I Tell Them What's Really Happening
I answer a few questions about my revenue, credit, and current mess. No fluff, no perfect-borrower act.
Step 02
I See My Real Path
I find out which funding categories actually fit me — not a wishlist, not another guess.
Step 03
I Take the Next Step Myself
If a path fits, I move forward on my terms. No pressure, no surprise credit pull.
Six ways Werkwallet funds your business.
Flexible, tech-powered capital for business owners and property investors nationwide — matched to your profile in about 30 seconds.
Small Commercial Real Estate Loans
$50,000 – $1,000,000
Flexible no- and low-documentation solutions for business owners and property investors.
- • Application-only program — 1-page application
- • No income verification or financials required (bank statements & PFS for >$500K)
- • No third-party appraisal required in most cases
Affordable Business Term Loans
$25,000 – $200,000
Fixed-rate, long-term, low-documentation non-SBA financing for growing enterprises.
- • Built for borrowers ineligible for SBA financing
- • Consolidate high-cost debt or MCAs (up to 2 max)
- • Light documentation: recent bank statements, tax returns, debt schedule
Business Credit Lines
$1,000 – $500,000+
Flexible, revolving capital for expansion, emergencies, or unforeseen expenses.
- • Works like a credit card with higher limits and lower rates
- • Free to establish — pay only for the funds you use
- • Pay down anytime without penalties and redraw
Equipment Financing
$30,000 – $5,000,000
Customized structures and a tech-powered equipment marketplace.
- • Application-only financing up to $350,000
- • New and used equipment from a dealer, vendor or private party
- • Most industries and equipment types across all 50 states + D.C.
Preferred SBA 7(a) & Working Capital Loans
$25,000 – $5,000,000
Premium capital for emerging and expanding businesses seeking long-term growth.
- • SBA working capital loans up to $350,000 in as fast as 2 weeks
- • Use for startup costs, real estate construction/renovation or debt consolidation
- • Full documentation underwriting options for better terms
Fast Capital Business Financing
$1,000 – $500,000+
Expedited, low-documentation capital for immediate working capital needs.
- • Automated working capital loans and merchant cash advances
- • One application, compare multiple offers
- • Ideal for borrowers turned down by traditional lenders
I'm done applying everywhere. I'm applying smart.
Werkwallet was built for owners like me — the ones who don't fit neatly into a perfect borrower profile.
I start with my real situation
Not with a product I probably don't qualify for.
I see what actually fits me
Which funding categories match my profile — not a sales pitch.
One place to figure it out
I explore every potential path through one process, not ten applications.
Built for messy real businesses
Including mine — complicated finances, prior declines, and all.
Find the capital solution built for my business.
30 seconds. Six products. Personalized support from Werkwallet.
Find Your Funding Match
No credit pull. No obligation.