About Werkwallet
Your business isn't the problem. The way your file reads is.
Revenue is strong. Deposits are consistent. But every application comes back declined. Werkwallet is an AI-powered capital marketplace that restructures how your profile is read, and routes it to providers who fund those situations.
Bank rejection
Credit events, tax liens, or prior defaults flag your application before a human reviews it.
Daily ACH withdrawals
Daily debits erode cash-flow stability and make your bank account look volatile.
MCA stacking
Multiple advances create compounding repayment pressure and overlapping obligations.
Unbankable profile
Strong revenue and consistent deposits, but a credit file that doesn't match performance.
The restructuring engine
We rebuild you for funding.
Werkwallet converts fragmented payment obligations into a clean, lender-ready funding application.
Before
Daily / weekly ACH withdrawals
After
One structured monthly payment
Before
Multiple stacked MCAs
After
Long-term consolidation program
Before
Volatile bank account activity
After
Stable revenue profile for underwriting
Before
Unbankable credit file
After
Lender-aligned funding application
Restructured funding range
$50,000 → $2,000,000+
From fragmented cash flow to a structured monthly funding profile.
Decision mapping
Matched to real funding paths.
We don't match you to a random lender list. We match you to funding structures based on your decline profile.
SBA 7(a) programs
Revenue-based term funding
MCA consolidation
Working capital lines
Funding assessment
A two-minute read of your funding profile.
No credit impact. No commitment. See if you qualify for a monthly payment restructure.
We analyze
- Revenue consistency
- Payment structure (daily vs monthly burden)
- Credit profile (soft evaluation)
- Existing obligations (MCAs, loans, liens)
Your report includes
- Eligible funding pathways
- Restructure options
- Estimated funding range
- Provider routing eligibility
All offers are subject to provider approval.