Declined by your bank? Let's find another way forward.
A bank decline doesn't tell the whole story of your business.
Whether you're dealing with a tax lien, existing merchant cash advances, cash-flow pressure, or a traditional financing rejection, Werkwallet helps identify financing options that may fit your situation.
Take a free assessment and discover what you could qualify for.
No hard credit inquiry to complete the assessment.
Three reasons business owners come to Werkwallet
The bank declined you
Tax liens, judgments, prior defaults, or other underwriting issues don't necessarily eliminate every financing option.
See your options →
MCA payments are eating into cash flow
Explore whether consolidating existing merchant cash advances could reduce payment pressure and improve cash flow.
See your options →
You need capital to keep growing
Explore SBA financing, business term financing, credit lines, and other available options.
See your options →
An easier way to access capital.
Werkwallet streamlines the process so you can focus on running your business.
We know traditional lenders make you wait weeks and drown you in paperwork. We built Werkwallet to change that.
Ready to see your real offers? Complete our short assessment to view funding options tailored to your business profile.
Checking your options will not affect your credit score.
See how we help small businesses unlock the capital they need.
Ready to see your real offers?
Take the next step. Our quick, secure assessment takes just a few minutes and will show you exactly what you qualify for.
Begin Your ApplicationFunding options available through Werkwallet
Find the financing that fits your business—even if a bank has already said no.
Werkwallet matches your business with financing options based on your revenue, credit profile, time in business, cash flow, and funding needs.
The specific offers available to you depend on your business profile and assessment results.
SBA 7(a) Financing
Access up to $5M in SBA-backed financing for working capital, expansion, equipment, business acquisitions, and refinancing eligible business debt.
Best for: Established businesses seeking substantial, longer-term capital.
Business Growth Term Financing
Get access to term financing designed to help manage cash flow, fund expansion, purchase equipment, and support major business investments.
Best for: Businesses looking for structured payments and longer-term financing.
Business Lines of Credit
Access a revolving credit line to cover operating expenses, manage cash flow gaps, and take advantage of growth opportunities.
Best for: Businesses that need ongoing access to working capital.
MCA Consolidation & Payoff
Explore options to consolidate or refinance existing merchant cash advances into longer-term financing with more manageable payment structures.
Best for: Businesses carrying multiple daily or weekly funding payments.
Find out which funding options your business may qualify for.
Take the Werkwallet assessment to get matched with financing options based on your business profile.
How the process works
1. Complete Assessment
Tell us a little about your business. It takes just a few minutes and won't impact your credit.
2. Review Real Offers
See exactly what you qualify for. No hidden fees, no bait-and-switch. Just clear options.
3. Get Funded
Choose your offer and complete the application. We'll help you every step of the way to get funded fast.
Real businesses. Real funding possibilities.
★★★★★
$500K | Construction
“Werkwallet helped us explore financing options when traditional funding wasn't coming together. We found a path to the capital our business needed.”
★★★★★
$350K | Construction & Demolition
“We needed capital to keep projects moving. Werkwallet helped us find a financing solution that worked for our business.”
★★★★★
$300K | Towing
“Finding financing with our existing obligations wasn't easy. Werkwallet helped us explore another way forward.”
★★★★★
$342K | Automotive & Fleet Services
“We needed additional capital to support our operation. Werkwallet helped us navigate the options and move forward.”
