Experiencing declines?

Before I apply anywhere, I'll ask Werkwallet.

30 Seconds. 6 Products.

I was declined
Too many MCA balances
Tax liens
Judgments
NSF activity
I've got revenue

Find Your Funding Match

30 seconds • 6 products • No credit pull

Find Your Funding Match

30 sec

What are you looking to fund?

Pick a product, answer a few essentials, and see the capital solutions that fit my business profile.

2 Minutes

to get my real path

No Hard Credit Impact

I don't get dinged for asking

Every Path in One Place

not ten more applications

Built for Messy Realities

like mine

My business is stronger than my funding profile looks.

A decline, NSF activity, or existing financing doesn't tell the whole story. My revenue does. I need someone to read the whole picture.

I've Been Declined

I'm not submitting another application blind. I need to know what path actually fits me before I risk another no.

My MCA Balances Are Piling Up

Daily payments are draining my cash flow. I need to find out if consolidation is even an option for me.

Tax Issues Are Hanging Over Me

Liens are complicating everything. But my revenue is real — I need someone to look at the whole picture, not just the lien.

I've Got a Judgment

It's hurting my eligibility, but I refuse to believe every door is closed. I need to see which ones still are.

NSF Activity Is Showing Up

My bank activity isn't perfect. But my deposits, revenue and history are strong — I need that to count.

My Credit Took a Hit

My personal score is one number. My business is a whole story. I need funding based on the real picture.

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.