Been declined before
One “no” doesn't rule out the other five programs.
Funding options for complicated profiles
Your business is stronger than your funding profile looks.
Tax liens, judgments, NSF, prior lender defaults, and MCA balances make funding feel impossible—but they don’t have to. Complete a quick funding assessment with no hard credit pull to see SBA 7(a) and consolidation options.
No impact to your credit score
Works with liens and defaults
SBA 7(a) and MCA consolidation
“Two other lenders turned me down over one lien. Werkwallet found me a term loan that looked past it.”
We look beyond the setback.
A decline, a lien, or an NSF fee doesn't tell the whole story. Your revenue and business history matter too.
MCA balances piling up
Daily payments draining cash flow — consolidation may be on the table.
Tax liens on record
Liens complicate things; they don't automatically disqualify you.
A judgment on the books
It affects eligibility for some programs, not all six.
Uneven bank activity
Deposit history and revenue often matter more than a clean statement.
Personal credit took a hit
Your business is a bigger story than one credit score.
Why the read-past matters
Most declines happen because a single application only asks about one thing — usually a credit score or a clean bank statement. Werkwallet's assessment considers revenue and business history alongside the parts of your profile that felt disqualifying elsewhere.
That's the difference between hearing “no” once and finding the one program, of six, actually built around your situation.
2014
Matching businesses to funding since
6
Funding programs, one assessment
50 + D.C.
States served nationwide
0
Credit pulls required to see your match
Figures should reflect verified totals before this page goes live.
Three steps. No perfect-borrower act required.
You don't need to become a financing expert. You need a straight answer.
01
Tell us what's really happening
A few questions about revenue, credit, and your current situation — no fluff, no idealized version of your business.
02
See your real path
We show which of the six programs actually fit — including the ones that don't, and why, so nothing feels like a guess.
03
Move forward on your terms
If a path fits, you continue. If it doesn't, you've lost two minutes, not a credit inquiry.
Six ways Werkwallet funds your business.
Flexible, tech-powered capital for business owners and property investors nationwide — matched to your profile in about two minutes.
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
What business owners say after their assessment.
Two other lenders turned me down over one lien. Werkwallet found me a term loan that looked past it.
I finally stopped guessing which application to fill out next. The assessment told me in two minutes.
Find the capital solution built for your business.
Two minutes. Six programs. One straight answer.