Working capital
The bank-declined business owner
Profitable or established businesses facing rigid bank requirements, credit issues, or a recent denial.
Get back to keeping more cash in your business.
Take the free assessment and see what financing options may help you regain control of your cash flow, even if your bank said no.
Your goal. Your potential paths. Your next step.
01
Your business.
02
Your potential paths.
03
Your next step.
Turned down by your bank?
You're not alone. Werkwallet works with established, high-revenue business owners who were declined because of:
- Tax liens
- Judgments
- NSFs
- Prior lender defaults
- Multiple merchant cash advance balances
Werkwallet helps you explore ways to simplify payment obligations and understand which funding paths may fit your business.
Who Werkwallet serves.
Three kinds of owners come to us, and the assessment starts from your goal: working capital, growth and purchases, or help with existing financing.
Existing financing
The cash-flow-constrained operator
Owners managing payroll, inventory, expansion, receivables, or existing short-term business debt.
Growth & purchases
The growth-minded owner
Established companies seeking working capital, a line of credit, equipment financing, acquisition capital, or SBA financing.
Real businesses. Real funding.
Funding examples from Werkwallet clients across healthcare, construction, technology and automotive.
$35,000
Home Health Care
Paula
$20,000
Healthcare
Dental practice
$100,000
Construction
J. Demolition
$150,000
Technology
Robotics & automation company
$250,000–$500,000
Automotive
Florida Auto Body
Photos are illustrative. Past funding examples do not guarantee approval, amounts, rates, or terms.
A clearer next step for your business.
Share your goal, review your potential financing paths, and let an advisor confirm what is needed to proceed.
- 1
Tell us about your business.
Answer goal-led questions, with details only when they matter to your request. No documents to upload in the assessment.
- 2
See your potential paths.
Understand why each financing category may fit. Availability and eligibility still need review.
- 3
Apply with confidence.
An advisor contacts you as soon as possible by call or email, confirms documentation requirements, and helps you take the next step.
Preliminary guidance only. No guaranteed approval, rates, or funding terms.
Ready to explore your options?
It starts with a few questions. No documents to upload in the assessment.