Credit event
Bank rejection
Credit events, tax liens, or prior defaults trigger automatic decline at traditional banks — regardless of revenue.
Werkwallet · Capital Intelligence
Know your fundability before you apply.
Werkwallet scores your business the way underwriters actually score it — across 10 modules — then maps you to the funding structures you'll qualify for. No credit pull. No sales call required.
Sessionprofile · revenue · obligations
4 short steps·~4 min·Ends with your score
01Problem recognition
We Keep Getting Declined
What the system sees when your profile lands on an underwriter's desk.
Cashflow
Daily / weekly ACH withdrawals
Repayment frequency destabilizes operating cash and blocks approval for longer-term facilities.
Stack
Multiple MCA positions
Stacked advances create compounding repayment pressure and disqualify most bank programs.
Profile
Strong revenue, unbankable profile
You produce revenue consistently, but the shape of your file doesn't match how banks underwrite.
"We make money… but no one will fund us properly.
02Restructuring engine
We Rebuild You for Funding
Fragmented obligations resolve into a single monthly structure.
Convert
Daily/weekly → monthly
Restructure repayment cadence around the operating cycle, not against it.
Consolidate
MCA stack → term structure
Roll qualifying positions into a long-term consolidation program.
Align
Profile → underwriting
Reshape the file so revenue, obligations, and credit read cleanly to lenders.
Restructured funding range
$50,000 → $2,000,000+
from fragmented cashflow · to structured monthly funding profile
03Decision mapping
Matched to Real Funding Paths
We don't match you to lenders. We match you to funding structures based on your decline profile.
decline.profileRouting input
Credit eventsMCA stackingBank rejection historyHigh revenue / low approval score
SBA 7(a) Programs
Why you were routed hereRouted when credit is recoverable and cashflow supports long-amortization structure.
Eligible pathwayunderwriting.logic
Revenue-Based Term Funding
Why you were routed hereRouted when revenue is consistent but credit history disqualifies bank programs.
Eligible pathwayunderwriting.logic
MCA Consolidation (12-Year Structure)
Why you were routed hereRouted when multiple advances are compressing daily cashflow.
Eligible pathwayunderwriting.logic
Working Capital Lines
Why you were routed hereRouted for ongoing operational liquidity once the profile is restructured.
Eligible pathwayunderwriting.logic
04Conversion layer
Start Your Funding Assessment
2-minute structured analysis of your funding profile.
Funding readiness indicatorpreview
DeclinedRestructuredFunded
- Revenue consistency
- Payment structure (daily vs monthly burden)
- Credit profile (soft evaluation)
- Existing obligations (MCAs, loans, liens)
Outputassessment.result
- Eligible funding pathways
- Restructure options
- Estimated funding range
- Lender routing eligibility
Start Fundability AssessmentSee how the 10-module engine works
No credit pull. All offers subject to lender approval.