SBA 7(a) Financing
Access up to $5M in SBA-backed financing for working capital, expansion, equipment, business acquisitions, and refinancing eligible business debt.
Who it fits
Established businesses seeking substantial, longer-term capital.
Bank declined? Find another way forward.
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.
- 01
Complete Assessment
Tell us a little about your business. It takes just a few minutes and won't impact your credit.
- 02
Review Real Offers
See exactly what you qualify for. No hidden fees, no bait-and-switch. Just clear options.
- 03
Get Funded
Choose your offer and complete the application. We'll help you every step of the way to get funded fast.
See how we help small businesses unlock the capital they need.
Funding options available through Werkwallet
Find the financing that fits your business—even if a bank has already said no.
The specific offers available to you depend on your business profile and assessment results.
Business Growth Term Financing
Get access to term financing designed to help manage cash flow, fund expansion, purchase equipment, and support major business investments.
Who it fits
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.
Who it fits
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.
Who it fits
Businesses carrying multiple daily or weekly funding payments.
Real businesses. Real funding possibilities.
Read customer stories$500K
Construction
$350K
Construction & Demolition
$300K
Towing
$342K
Automotive & Fleet Services
Funding examples are illustrative. Subject to Lender Approval.
