A tax lien, a judgment, NSF activity, a prior default, or advances already pulling daily. Something on the file stopped the review, not your sales. We identify the blocker first, then tell you which path fits. Sometimes that means restructuring what you owe before any new application, including SBA 7(a) or bank term, makes sense. If existing payments are eating your cash flow, new money on top rarely helps.
No hard credit pull. We tell you plainly if restructuring comes first, or if a different path fits.
If any of this sounds familiar, you are in the right place.
A decline is not the end of the process. It usually means the request was reviewed the wrong way, or sent to the wrong place.
There are three ways forward from here. Nearly every business we work with moves through one of these three paths. They are genuinely different, and only one of them is usually right for you.
Most declines are a presentation problem, not a business problem. We restructure the request around how your business actually earns and deposits money, so a reviewer sees the real picture.
Best when the business is healthy but the file was submitted poorly.
The product you applied for may simply be the wrong one. A different structure may weigh deposits, contracts or receivables more heavily than credit history.
Best when you were judged by a standard your business was never going to meet.
If existing payments are eating your cash flow, new money on top rarely helps. Reworking current obligations can free up capacity first.
Best when multiple advances or daily debits are the real constraint.
Start with the funding assessment. We will tell you which path fits. You should not have to pick a funding product before anyone has looked at your business. Answer a short set of questions and we will point you to the one path that makes sense, or tell you plainly if none of them do.
What got in the way the last time you applied? Pick the one closest to your situation. We will tell you which path fits, including whether restructuring has to come before a new application.
Something on the file is stopping the review before the revenue gets read.
Usually Path 1, rework the request. SBA 7(a) and bank term options stay open here, but only with a payment plan, payoff, or release documented first.
Show me which path fitsA default, charge-off, or a decline that keeps following the application.
Path 1 or Path 2. A prior default rarely closes every door, but it changes which desk can read the file. If the default is still open, restructuring comes before any SBA or bank term application.
Show me which path fitsTwo or more positions pulling daily or weekly out of the account.
Path 3, restructure obligations first. If existing payments are eating your cash flow, new money on top rarely helps. SBA 7(a) and bank term options are only realistic after the daily debits are restructured.
Find out if I need restructuring firstThe numbers are there. The application still came back no.
Usually Path 2, a better-fit product. When deposits are strong and the decline still lands, you were often measured against a standard your business was never going to meet.
Show me which path fitsYou know you were turned down. You do not know what actually stopped it.
We identify the blocker first, then name the path. That may be Path 1 rework, Path 2 a better-fit product, or Path 3 restructuring before any SBA or bank term application makes sense.
Show me which path fitsNo hard credit pull. We tell you plainly if restructuring comes first, or if a different path fits.
Completing the assessment has no impact on your credit score.
These are options worth evaluating once we understand the situation, not a menu to pick from today.
Need to replace multiple existing obligations?
MCA consolidation may be a path worth evaluating.
Looking for long-term business financing?
SBA 7(a) may be worth evaluating.
Need flexible access to working capital?
A line of credit may be worth evaluating.
A specialist reads what you submitted and confirms what is missing.
You get a straight answer on which of the three paths makes sense for your business.
If a path fits, we help you complete the full application. If nothing fits today, we tell you that too.
“The bank turned us down, but Werkwallet helped us find another path and secure capital for production needs.”
Robotics Company · Manufacturing
“The payments were becoming the problem. We needed a different structure, and Werkwallet showed us options that fit our cash flow.”
Demolition & Hauling Services · Construction services
“We needed capital to keep everything moving while waiting on receivables. Werkwallet helped us access working capital and keep growing.”
Paula · Retail
“We had the contract. We needed the money to execute it. The funding covered equipment, labor and project costs so we could take on larger jobs.”
J Demolition · Construction
Complete the assessment and we will tell you which of the three paths fits your business.
Show me which path fits60 seconds. No hard credit pull.
What do you need funding for?
No hard credit pull • Secure • Private
