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.