Business funding, restructured

Your home for not daily but monthly payment funding

Stuck with an ACH pulling money out of your account every day? Werkwallet moves revenue-producing businesses out of daily and weekly withdrawals and into financing built around one predictable monthly payment.

Take the 2-minute assessment →See how it works

No cost to check · No impact to explore your options

Withdrawals this month, today30×

Werkwallet replaces this with one steady monthly payment — same funding, built around your cash flow.

Step 1 · Recognize the pain

Your business may have a cash-flow problem, not a revenue problem.

Most owners in this situation still qualify for monthly programs — they just haven't been shown them.

✓Daily or weekly payments are draining cash flow
✓Carrying multiple MCA balances at once
✓Open tax liens or IRS debt
✓Judgments or a prior default on record
✓Frequent NSF fees hitting the account
✓Revenue is strong, but banks keep saying no

The process

Five steps from daily pressure to monthly predictability

This is the actual path a Werkwallet borrower walks — in order. Each step exists to rule out the wrong product before it's offered to you.

01of 05

Recognize the pain

Name what's actually happening: daily withdrawals, stacked MCAs, liens, NSFs, or a bank that says no despite strong revenue.

02of 05

Complete the Funding Assessment

A 2-minute read on what programs are realistic, an estimated funding range, and whether a move from daily to monthly payments is possible.

03of 05

Submit business documents

Standard packet, nothing exotic — lenders are increasingly weighing overall business health over a single credit score.

Bank statementsDriver's licenseDebt scheduleVoided checkRevenue verification

04of 05

Build a monthly payment strategy

We weigh SBA 7(a), business term financing, and business credit lines against your actual debt schedule and cash flow — not a generic offer.

05of 05

Replace stress with predictability

One monthly payment, a real budget, and more cash staying in the business instead of leaving it every single morning.

Step 4 · Options on the table

Three ways to a monthly payment

Werkwallet weighs your business against each of these before recommending a path — most owners qualify for more than they assume.

Option 01

SBA 7(a)

Government-backed term financing with long repayment horizons — the strongest option for consolidating expensive debt into one manageable line.

2+ years in business
Improving cash flow
Consolidating expensive debt
Longer repayment terms

Option 02

Business Term Financing

A lump sum with a fixed monthly payment — built for speed when capital is needed now, not next quarter.

Fast capital
Expansion
Working capital
Consolidating existing obligations

Option 03

Business Credit Line

Revolving access you draw on as needed, commonly repaid on a monthly structure instead of a daily debit.

Seasonal cash flow needs
Inventory
Payroll gaps
Ongoing access to capital

Step 5 · The result

Replace financial stress with predictability

Before

Daily withdrawals
Constant overdraft risk
Cash flow surprises

"Every day another payment comes out of my account."

After

One monthly payment
Predictable budgeting
Better working capital management
More money staying in the business

"I know exactly what my payment is each month and can focus on growing my business."

What we commit to

The Werkwallet Promise

01 / DISCOVER

What can I qualify for?

Discover

We read your real financial picture before recommending anything — liens, defaults, and NSFs included, not hidden from.

02 / DESIGN

What's the best path to monthly payments?

Design

We weigh SBA, term financing, and credit lines against your actual debt schedule to design the right structure.

03 / DELIVER

Get funding that works with my business — not against it.

Deliver

Funding structured around your cash flow, not a daily debit that fights it.

Start your assessment →