Werkwallet
Business funding, simplified

Up to $15M in capital for your business fast.

One 5-minute application connects you to multiple funding options. We evaluate your current cash flow, not just your credit history. Tax liens, prior defaults, and low scores accepted.

Start Growth Assessment See funding options
No hard credit pull
No collateral required
Free for businesses
Same-day options available
$15M
Maximum capital available
24hrs
Funding turnaround
5min
To complete your application
Funding solutions

Four ways to put capital to work.

Working capital

Cover payroll, inventory, and daily operations with flexible terms tailored to your cash flow.

Range$50K – $15M

Debt consolidation

Combine outstanding balances into a single manageable payment. Free up cash flow immediately.

RangeUp to $15M

Growth capital

Fund expansion, equipment, or new projects even with a tax lien or judgment on record.

Range$50K – $15M

Startup capital

Early-stage businesses welcome. We evaluate your revenue activity and business potential.

Range$50K – $500K
How it works

Three steps. No theatre.

Step 01

Apply in 5 minutes

Basic business profile plus 6 months of bank statements. No hard credit pull, no collateral, no fees.

Step 02

Get matched

We connect you to the best-fit options from our private network of funding sources.

Step 03

Receive your funds

Choose your offer and accept. Capital deposited to your account in as little as 24–72 hours.

Built for the real economy

We work with businesses banks turn away.

Traditional lenders focus on the past. We look at where your business is going and we say yes in places others don't.

  • Tax liens or judgments on file
  • Prior defaults with other funders
  • Low or thin credit history
  • Multiple MCA positions outstanding
  • Startups under 2 years old
  • Urgent same-day capital need
The Capital Engine

Institutional Lag vs the Werkwallet Protocol.

Institutional Lag

Built for the bank, not the operator.

  • 30–90 day decision cycles
    Capital arrives after the moment has passed.
  • Backward-looking underwriting
    Two years of tax returns, FICO over cash flow.
  • Collateral first
    Personal guarantees, liens, real estate.
  • One product, take it or leave it
    Term loan or nothing.
The Werkwallet Protocol

Built at the speed of the operator.

  • 48-hour Velocity Standard
    Every assessment, every operator.
  • Cash-flow underwriting
    We read the bank statement, not the credit bureau.
  • No collateral required
    Capital secured against the business, not the home.
  • Matched to objective
    Working capital, growth, consolidation — sized to the unlock.
What business owners say

Operators, in their own words.

★★★★★
“I was stressed, behind on payments, and tired of getting denied. Werkwallet made the process feel simple instead of intimidating. Within days, we had real funding options and a plan.”
Paula M.
Retail Business Owner
★★★★★
“Construction moves fast and delays cost money. Werkwallet helped us secure funding fast enough to keep projects moving and cover equipment expenses without shutting down operations.”
J Demolition & Site Services
Construction
★★★★★
“As a growing robotics company, cash flow timing matters. Werkwallet helped bridge the gap so we could continue building, hiring, and delivering without slowing momentum.”
Robotics Automation Company
Advanced Manufacturing

Ready to see what your business qualifies for?

No hard credit pull · 5 minutes · Free for businesses

Start Growth Assessment