You have revenue. You still got turned down.
You have revenue. You were turned down.
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.
- “The bank said no because of my credit.”
- “I already have two or three advances open.”
- “I have a tax lien, so nobody will look at me.”
- “My deposits are strong, but the application still gets turned down.”
- “I don't know what I actually qualify for.”
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.
Rework the request
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.
Find a better-fit funding product
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.
Restructure what you already owe
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.
What we recommend
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.
Your funding assessment.
Start with what you need the money for. Everything else follows from there.
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.
No hard credit pull. We tell you plainly if restructuring comes first, or if a different path fits.
What Werkwallet evaluates.
- Monthly deposits and revenue consistency
- Time in business and industry
- Existing funding obligations and payment load
- Credit events such as liens, judgments or NSF activity
- What the capital is actually being used for
- How quickly you need it
Completing the assessment has no impact on your credit score.
Potential funding paths.
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.
What happens after you submit.
We review your file
A specialist reads what you submitted and confirms what is missing.
We tell you which path fits
You get a straight answer on which of the three paths makes sense for your business.
You decide whether to move
If a path fits, we help you complete the full application. If nothing fits today, we tell you that too.
Businesses that were told no first.
“The bank turned us down, but Werkwallet helped us find another path and secure capital for production needs.”
“The payments were becoming the problem. We needed a different structure, and Werkwallet showed us options that fit our cash flow.”
“We needed capital to keep everything moving while waiting on receivables. Werkwallet helped us access working capital and keep growing.”
“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.”
You do not have to figure this out on your own.
Complete the assessment and we will tell you which of the three paths fits your business.
