What We Do

Closing Your Cash Flow Gap

Werkwallet helps established businesses find financing solutions when traditional lenders or existing financing structures are slowing growth. Instead of applying blindly to multiple lenders, we analyze your business once and match you with financing options that fit your current financial profile.

Our goal is simple: fix the cash flow gap so you can keep operating, growing, and taking advantage of opportunities.

Start your funding assessment Quick 2-minute option check

Our 5 Step Process

Step 1

Complete a Funding Assessment

Approximately 2 minutes

You will answer questions about:

Revenue
Time in business
Industry
Existing financing
Business ownership
Funding objective

This allows us to identify programs worth pursuing before collecting documentation.

Step 2

Upload Supporting Documents

Documentation varies by financing program

Required:

Driver's License
Voided Business Check
Business Bank Statements from the last 3 to 6 months
Business Tax Returns when required
Business Debt Schedule if applicable

Sometimes requested:

Profit and Loss Statement
Balance Sheet
Accounts Receivable Aging Report
Existing MCA payoff statements
Articles of Organization or Incorporation
EIN Confirmation Letter

Step 3

Werkwallet Reviews Your Business

More than a credit score

Instead of relying only on a credit score, we evaluate:

Monthly revenue
Cash flow
Deposit history
Existing obligations
Industry
Time in business
Overall fundability

Our objective is to identify realistic financing options instead of sending you through unnecessary applications.

Step 4

Match With Financing Options

Programs matched to your profile

Depending on your business profile, financing may include:

SBA financing
Business term financing
Working capital
Business line of credit
Equipment financing
MCA consolidation
Revenue based financing

You receive guidance on the option that best addresses your cash flow needs.

Step 5

Funding

Same business day to SBA timelines

Once approved and closing requirements are completed:

Some working capital programs can fund the same business day
Many non SBA programs fund within 24 to 72 hours
SBA financing generally requires additional underwriting and closing time

Funding speed depends on the financing program, document completion, underwriting, and final lender approval.

Credit Score Guidelines

Credit score is only one part of the review

Financing Program	Typical Credit Profile
Working Capital	550+ depending on program
MCA Consolidation	600 to 640+ depending on program
Business Line of Credit	650+ preferred
Bank Term Financing	660 to 680+ preferred
SBA Programs	680 to 700+ commonly preferred depending on lender

Strong revenue and cash flow may improve available financing options even if credit is not perfect.

Businesses We Frequently Help

We commonly assist businesses experiencing:

Seasonal cash flow gaps
Multiple existing payment obligations
Growth that exceeds available capital
Equipment purchases
Payroll pressure
Inventory expansion
Tax payment issues
Working capital shortages
Merchant cash advance obligations

Can We Fix It?

If your business has:

Consistent revenue
Active business bank deposits
An operating business
A legitimate financing need

There is often a financing strategy worth evaluating. While no approval can ever be guaranteed, Werkwallet is designed to identify viable financing options quickly and avoid unnecessary applications.

Same Day Funding

For qualifying working capital programs:

01
Complete the funding assessment
02
Submit all requested documents
03
Complete underwriting
04
Receive approval
05
Sign closing documents

Funding may be available the same business day for qualified applicants. Timing depends on lender approval, program eligibility, and document completion.

“At Werkwallet, we do not start by telling you why you were declined. We start by understanding your business today. Our job is to evaluate your cash flow, review your documentation once, and connect you with financing options that fit your current situation. Whether your goal is to stabilize operations, consolidate existing obligations, or finance growth, our process is built for speed, transparency, and confidence. In many cases, decisions are made within hours, and qualifying businesses may receive funding as soon as the same business day.”

Start your funding assessment