We help business owners rebuild credit, eliminate predatory debt, and access real capital—fast.
For same-day MCA offers, debt relief, and custom capital blueprint. Stuck with daily or weekly payments? We’ll review your last 4 months of business bank statements and create a plan to consolidate or replace toxic loans within 24–72 hours.
For clients with excellent credit looking to scale without their SSN.
If your score is 725+, you may qualify for up to $750,000 at 0% interest for 12–18 months—under your business EIN. We use strategic credit card stacking and aged entities to build real leverage without personal guarantees.
For those needing a real plan to restore credit and stay consistent all year.
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This entry-level aged corporation is intended for business owners seeking a compliant foundation to begin repositioning their borrowing strategy. Typically aged one to three years, this structure includes an established EIN, clean formation records, and baseline compliance suitable for smaller institutional credit exposure. This option does not include a Personal Guarantor and is best suited for owners with solid revenue who are not currently overwhelmed by multiple MCA positions. It provides a starting point for transitioning away from short-term capital while maintaining full ownership and flexibility.
This mid-tier aged corporation is delivered as a standalone institutional entity. Generally aged three to five years, it includes enhanced compliance, established EIN history, and documentation designed to meet modern underwriting standards. This option does not include a Personal Guarantor, allowing the buyer to either supply their own or operate without one depending on lender requirements. Many clients at this tier choose to later add a Personal Guarantor to improve approval certainty. WaterWorks can assist with that process if needed, but it is not bundled into this option.
This advanced aged corporation is engineered for business owners who want certainty in execution. Typically aged five or more years, this structure includes a Personal Guarantor provided through WaterWorks, ensuring the underwriting pathway is aligned from the start. The corporation is delivered fully compliant, with established EIN history and institutional readiness. This option is commonly used by businesses replacing daily or weekly payments with monthly capital structures and is often capable of supporting capital raises in the $400,000–$500,000 range, subject to underwriting.
This premium institutional structure is designed for businesses operating at scale that require high-capacity borrowing. Typically aged six years or more, this corporation includes a required Personal Guarantor and is structured to support significantly higher exposure. This option is commonly used to transition businesses out of aggressive short term financing into long-term monthly capital and can support borrowing capacity up to $750,000 depending on revenue and underwriting. Ownership is fully transferred, and the structure is intended for long-term strategic use, not temporary relief.
