Most business owners apply for financing they will never get.
That is a waste of time.

Before you spend weeks gathering documents and chasing lenders, spend two minutes finding out what your business actually qualifies for. One set of questions. A clear picture of realistic options. No credit pull.

Why does this exist?

Banks approve a small fraction of small business loan applications. The rest get declined — often after weeks of effort. Meanwhile, dozens of other financing programs exist that most business owners have never heard of.

The problem is not that capital is unavailable. The problem is matching: the right program for the right business situation. That is what a Werkwallet assessment does.

Who it helps

• 01
  Businesses declined by a bank

  Banks use rigid criteria. Many businesses that do not qualify for a bank loan qualify for other programs — sometimes at better terms.

• 02
  Businesses with expensive existing advances

  If you are paying daily on merchant cash advances, consolidation options may lower your cost of capital significantly.

• 03
  Businesses ready to grow

  Hiring, equipment, inventory, new locations — growth requires capital. Know your realistic options before you need them urgently.

How it works

• 1
  Answer a few questions

  Industry, revenue, time in business, and what you need the capital for.

• 2
  See realistic programs

  Based on your answers, we identify which financing programs you are likely to qualify for — and which you are not.

• 3
  Decide whether to proceed

  You submit documents only if you choose to move forward. No pressure, no obligation.

The assessment is free.
The information is useful.
The downside is two minutes.

If you need capital — now or eventually — it makes sense to know where you stand before you need it urgently. That is all this is.

Up to $5M+ across multiple programs.