View Your Funding Options in Minutes
Explore your potential options without affecting your personal credit score. Built for owners with tax liens, NSFs, prior defaults, or multiple advances.
Takes about 60 seconds · No obligation · No documents to start
Why owners choose Werkwallet
A credit line that moves when your business moves.
Instead of applying for new financing every time you need capital, a line of credit gives your business a revolving source of working capital to draw from when needed.
No hard credit pulls
Explore options with a soft check — zero impact on your score.
A real assessment
Share basic details and get fast, personalized matches.
Decisions in 24 hours
Get matched to offers quickly, not months from now.
Previously declined? Welcome
A no somewhere else doesn't mean no here.
$25K to $5M
Scalable capital aligned with your revenue.
Payroll, inventory, equipment, expansion.
Accessible capital keeps you moving forward — you're not just surviving cash-flow gaps.
How it works
Three steps. Three options. No surprises.
- 01
Tell us what you need
Funding amount, the product you're after, and a few business details. About 60 seconds.
- 02
Upload 3 bank statements
Your three most recent statements. Encrypted, and only used to match you to providers.
- 03
Review 3 matched options
See estimated amounts, terms and payments side by side — then apply with one tap.
Bank declined? Find another way forward.
A bank decline isn't the end of your options. Werkwallet helps you find financing that fits your business, even with tax liens, existing advances, or cash-flow challenges.
Take your free assessment to explore your options.
FAQ
Questions owners ask us first.
Will this hurt my credit score?
No. The assessment uses no hard credit inquiry, so exploring your options has zero impact on your score.
Why only three bank statements?
Three recent months give providers a clear picture of your cash flow without piles of paperwork.
What if I've been declined before?
That's who we built this for. Tax liens, NSFs, prior defaults and existing advances don't automatically rule you out.
How much can I get, and how fast?
Funding typically ranges from $25K to $5M depending on your business. Many owners see options within 24 hours. Subject to Lender Approval.
Is there a cost to see my options?
No. The assessment is free and there's no obligation.
Three statements. Three options. Zero credit impact.
See what your business qualifies for before you talk to a single provider.
Subject to Lender Approval.
