We offer funding solutions from $50,000 up to $15 million, depending on your business's revenue, time in business, and overall financial profile. The exact amount you qualify for will be determined during our pre-qualification process, which evaluates your specific situation and needs.

To start, we only need your last 6 months of business bank statements for pre-qualification. If you decide to move forward with a formal application, additional documents will be required, such as business tax returns, personal tax returns, business licenses, and information about your existing MCAs. Our team will guide you through each step of the process.

Werkwallet helps businesses consolidate multiple high-interest Merchant Cash Advances into a single, lower-interest loan with manageable monthly payments instead of daily withdrawals. We primarily use SBA 7(a) loans and other bank term loan products to refinance your existing MCAs, potentially saving you thousands each month while providing additional growth capital.

Yes, we work with businesses that have tax liens, judgments, and defaults. Unlike traditional lenders who may automatically decline these situations, we evaluate each case individually. These issues can often be resolved as part of the funding process, using a portion of the new loan to satisfy these obligations.

Werkwallet Privacy Policy

Last Updated: March 2025

This Privacy Policy describes how Werkwallet ("we," "us," or "our") collects, uses, and shares information about you when you use our services, including our website, mobile applications, and other related services (collectively, the "Services"). By using our Services, you agree to the practices described in this Privacy Policy.   

1. Information We Collect 

We collect information from you in several ways, including:

• Information You Provide Directly:
• When you create an account, we may collect your username, email address, password, and other registration information.
• When you use our Services to conduct transactions, we may collect information about those transactions, including the amount, date, time, and recipients.
• If you contact us for support or provide feedback, we may collect your name, email address, and the content of your communication.
• Any other information you voluntarily provide.
• Information We Collect Automatically:
• Usage Information: We collect information about how you use our Services, such as the pages you visit, the features you use, and the time and date of your use.   
  
  
  
• Device Information: We collect information about the device you use to access our Services, including your IP address, operating system, browser type, and device identifiers.   
  
  
  
• Cookies and Similar Technologies: We use cookies and similar technologies to collect information about your browsing activities and preferences. These technologies help us to improve our Services and provide a more personalized experience.   
  
  
  
  
• Location Information: With your permission, we may collect information about your device's location.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• To provide and maintain our Services.
• To process transactions and send related notifications.   
  
  
  
  
• To improve and personalize your experience.
• To communicate with you about our Services, including updates and support.
• To detect, prevent, and address fraud and security issues.
• To comply with legal obligations.
• To analyze service usage, and improve the service.

3. Sharing Your Information

We may share your information with:

• Service Providers: We may share your information with third-party service providers who help us to provide and maintain our Services, such as payment processors, data storage providers, and customer support providers.   
  
  
  
• Legal Compliance: We may share your information when we believe it is necessary to comply with legal obligations, such as responding to subpoenas or court orders.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, we may transfer your information to the acquiring company.   
  
  
  
  
• With your consent: We may share your information with third parties when you give us your consent to do so.
• Law Enforcement: We may share information with law enforcement agencies when required to do so.

4. Data Security

We take reasonable measures to protect your information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, so we cannot guarantee absolute security.   

5. Data Retention

We retain your information for as long as necessary to provide our Services and comply with legal obligations.

6. Your Rights

You have the following rights regarding your information:   

• Access: You can request access to the information we hold about you.
• Correction: You can request that we correct any inaccurate or incomplete information.   
  
  
  
• Deletion: You can request that we delete your information, subject to certain exceptions.   
  
  
  
• Objection: You can object to our processing of your information.
• Data Portability: You can request to receive your information in a portable format.
• To exercise these rights, please contact us support@werkwallet.com

7. Children's Privacy

Our Services are not intended for children under the age of 21. We do not knowingly collect personal information from children under 21. If we become aware that we have collected personal information from a child under 21. we will take steps to delete it.   

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.   

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at:   

support@werkwallet.com

Werkwallet 

470 James ST

New Haven CT 06513

Werkwallet Terms of Use

Last Updated: March 1, 2025

1. Acceptance of Terms

Welcome to Werkwallet ("Werkwallet," "we," "us," or "our"). By accessing or using our website, we mobile applications, and any related services (collectively, the "Services"), you agree to be bound by these Terms1 of Use ("Terms"). If you do not agree with any part of these Terms, you must not use our Services.

2. Description of Services

Werkwallet provides a network of funding services for small and medium sized businesses within the United States,States. We strive to provide accurate and up-to-date information, but we do not guarantee the accuracy, completeness, or timeliness of any content.

3. User Accounts

• Account Creation: To access certain features of the Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
• Account Security: You are responsible for maintaining the confidentiality of your account credentials, including your password and private keys. You agree to notify us immediately of any unauthorized access to or use of your account.
• Age Restriction: You must be at least 21 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement.
• Responsibility: You are solely responsible for all activities that occur under your account.

4. User Conduct

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable laws or regulations.
• Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity.
• Interfere with or disrupt the Services or servers or networks connected to the Services.
• Attempt to gain unauthorized access to any portion of the Services or any other systems or networks.
• Transmit any viruses, worms, or other harmful code.
• Engage in any activity that could damage, disable, overburden, or impair the Services.
• Use the services to participate in any fraudulent activity.
• Circumvent any security or access control measures.

5. Intellectual Property

• The Services and all content, including but not limited to text, graphics, logos, and software, are the property of Werkwallet or its licensors and are protected by intellectual property laws.
• You are granted a limited, non-exclusive, and non-transferable license to use the Services for your personal, non-commercial use.
• You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our intellectual property without our express written consent.

6. Disclaimer of Warranties

• The Services are provided "as is" and "as available" without any warranties of any kind, either express or implied.
• Werkwallet disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• We do not warrant that the Services will be uninterrupted, error-free, or secure.
• You acknowledge that the use of cryptocurrencies and digital assets carries inherent risks.

7. Limitation of Liability

• In no event shall Werkwallet be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Services.
• This includes but is not limited to damages for loss of profits, data, or other intangible losses.
• Our total liability to you for any claim arising out of or relating to these Terms or the Services shall not exceed the amount you paid to us, if any, for access to or use of the Services during the twelve (12) months preceding the claim.

8. Indemnification

You agree to indemnify and hold Werkwallet harmless from any claims, damages, or expenses arising out of or in connection with your use of the Services or your violation of these Terms.

9. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of any material changes by posting the updated Terms on our website or through other reasonable means. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Connecticut, without regard to its conflict of law principles.

11. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Services shall be resolved through Insert Dispute Resolution Method, arbitration, mediation in the state of Connecticut.

12. Contact Us

If you have any questions about these Terms, please contact us at:

1-888-232-6099

support@werkwallet.com

470 James St

New Haven CT 06513

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms constitute the entire agreement between you and Werkwallet regarding your use of the Services.