Werkwallet
Business Funding Check
Declined for business funding?Don't stop at "no."
Find out what to try next.
You don't need to apply everywhere and hope something sticks. Tell us a little about your business and what happened. We'll help identify the funding paths that may fit your situation.
2 minutes · No hard credit pull · 100% confidential diagnostic
See which funding paths may fit
Answer one question at a time. See your options without applying.
Revenue
Let's start easy: roughly what does your business bring in each month?
Choose the closest range—an estimate is enough and no statements are needed.
This helps us compare likely funding paths. You can change any answer before moving forward.
The reality of business lending
"Being declined by one bank doesn't mean your business is unfundable. It usually means you applied for the wrong product with the wrong underwriting rules."
Need range
$50K – $5,000,000
Diagnostic model
Post-Decline Relief
The missing step in business financing
A decline doesn't tell you what to do next.
You may have been declined because of credit, existing debt, cash flow, bank activity, a tax issue, a judgment, or something else. The important question isn't just "Why was I declined?" It's: "What can I do next?" Werkwallet helps you answer that question.
8 common funding obstacles we map around
Every roadblock has a potential path.
Credit Score Flags
Traditional banks drop files below 680–700 automatically, ignoring positive daily cash flow.
Potential path
Asset-backed or revenue-underwritten capital
Existing Financing & MCAs
Daily or weekly debits choke working capital, causing new lenders to reject you on debt-to-income.
Potential path
Consolidation, payoff, or subordinated facilities
Bank Ledger Activity & NSFs
Automated algorithms flag overdrafts or volatile ledger dips in the last 60 days.
Potential path
Specialized lenders who evaluate net monthly trend
Tax Liens or Unfiled Returns
Conventional institutions require 2+ years of clean, filed, and profitable IRS returns.
Potential path
Bank statement programs or payment plan subordination
Judgments or Pending Filings
Public records create immediate freezes at branch level regardless of current revenue.
Potential path
Collateralized structures and legal escrow payoffs
Too Many Active Positions
Multiple merchant cash advances stacked together trigger automated fraud or risk blocks.
Potential path
Direct position payoff restructuring
Restricted Industry Code
Your NAICS code was arbitrarily blacklisted by an institutional retail bank policy.
Potential path
Specialty industry and equipment balance sheets
Vague or No Explanation
Most rejection letters provide boilerplate form letters that offer zero constructive guidance.
Potential path
Transparent diagnostic of actual qualifying levers
Our philosophy
Stop applying blindly.Start diagnosing strategically.
When you apply to multiple lenders randomly after a decline, you damage your credit profile and trigger automated anti-stacking filters. Werkwallet matches your specific situation to viable paths before any paperwork is submitted.
See Which Options May Fit MeConfidential evaluation · No pushy sales reps · Zero hard credit pull
Funding spectrum
Explore the available funding paths.
Different lenders evaluate completely different risk indicators. When one door shuts, another product category is often designed specifically for your scenario.
Core programs
SBA Financing
Prime Rates$50K – $5M
For businesses exploring larger-term financing with government-backed protection.
Best fit: 2+ years in business, solid profitability, and long-term capital goals
Bank Term Loans
Fixed Amortization$25K – $2M
For businesses looking for traditional commercial installment financing with predictable payments.
Best fit: Established businesses with predictable monthly bank cash flows
Business Credit Lines
On-Demand Draw$10K – $500K
For businesses that want flexible, revolving access to capital on demand.
Best fit: Managing seasonal inventory, payroll gaps, and recurring vendor bills
MCA Payoff & Consolidation
Immediate ReliefUp to $500K
For businesses dealing with heavy daily or weekly debt obligations that drain cash.
Best fit: Lowering daily payment pressure and combining stacked advances
Specialized
Equipment Financing
$20K – $1M+
The physical machinery or tech serves as the primary loan collateral.
Commercial Real Estate
$150K – $5M
Owner-occupied facility acquisitions, expansions, or commercial refinancing.
Acquisition Financing
$100K – $3M
Structured buyouts for buying competitors, franchises, or partner shares.
Working Capital
$10K – $500K
Rapid liquidity based on monthly gross bank deposits rather than personal FICO.
Takes 2 minutes · No credit impact · Immediate preliminary diagnostic
An assessment is not an application. No hard credit pull to see your options. Your information stays confidential, and you control every next step. Estimates only — approval, rates and terms are set by providers. Werkwallet is not the lender.