Built for business owners past the “quick money” phase.
WaterWorks Agency works with profitable operators who are no longer chasing short-term cash — and are now dealing with the aftereffects of it.
Most of our clients face at least one of the following:
UCC filings limiting borrowing power
Merchant cash advances draining cash flow
Liens or prior funding activity congesting their EIN
Strong revenue, but repeated bank or lender declines
The problem isn’t profitability — it’s capital structure.
Many of our clients generate $50,000–$100,000+ per month, yet remain locked out of institutional capital due to how their prior financing was structured.
Why This Matters for MCA / UCC-Restricted Businesses
The Institutional Capital Marketplace is a curated inventory of aged, fully compliant business entities sourced through WaterWorks’ capital partners.
These entities are used when a business owner’s current EIN is restricted by:
UCC liens
Prior loans or judgments
Repeated short-term financing activity
UCC filings are not accidental.
They are the predictable outcome of how most businesses are taught to borrow.
Once an EIN becomes congested, banks don’t negotiate — they reduce exposure or decline outright.
This marketplace exists to reposition borrowing power without stacking additional pressure onto an already stressed operation. Instead of compounding daily or weekly obligations, these structures are designed to support long-term, monthly capital access under institutional underwriting standards.
Inventory is limited and rotates.
Listings shown are examples only. Every option requires application review and consultation prior to proceeding.
For clients who need execution certainty, WaterWorks offers a temporary Credit Partner strategy designed strictly as a short-term underwriting bridge — not a permanent cosigner setup.
This option is typically used for 90 days to 6 months, allowing clients to satisfy lender requirements, secure institutional capital, and then remove the Credit Partner once the structure is in place. Ownership remains 100% with the client.
Compared to finding a long-term guarantor independently, this approach is often faster, cleaner, and more cost-effective, with a defined exit planned upfront.
This is not required for every client, but when speed and certainty matter, it provides a controlled path into monthly capital without long-term liability.
Example aged corporation typically 1–3 years seasoned, delivered with an established EIN, clean Secretary of State status, and verified formation history. This option is offered without a Personal Guarantor (PG) and is designed for lower institutional borrowing thresholds. Typical initial institutional borrowing (TIB) ranges are $50,000–$150,000, depending on underwriting and revenue.
Ownership transfers 100% to the buyer. Suitable for clients who want flexibility and a clean borrowing foundation without introducing a guarantor.
Example aged corporation typically 3–5 years seasoned, including established EIN, historical compliance, and lender-ready documentation. This option does not include a Personal Guarantor, though the buyer may add their own if required by underwriting.
Typical institutional borrowing ranges (TIB) are $150,000–$300,000 depending on financials. Ownership remains 100% with the buyer. Commonly used by businesses transitioning away from MCA exposure.
Example aged corporation typically 5+ years seasoned, delivered with a vetted Personal Guarantor included in the structure. This option is built for higher underwriting certainty and faster execution.
Typical institutional borrowing ranges (TIB) are $400,000–$500,000, subject to revenue and underwriting. Ownership remains 100% with the buyer, with the guarantor structured as temporary and removable per exit strategy.
Example aged corporation typically 6+ years seasoned, structured with a required Personal Guarantor for maximum borrowing capacity. Includes EIN, compliance history, and institutional alignment for large exposure limits.
Typical institutional borrowing ranges (TIB) are up to $750,000, underwriting dependent. Designed for scale-stage businesses replacing daily or weekly payments with monthly institutional capital. Ownership remains 100% with the buyer.
Some clients choose to use short-term capital as a temporary bridge to cover upfront costs or transition expenses associated with institutional structures. This strategy is evaluated case-by-case and is designed to exit daily or weekly payments — not stack them. All bridge strategies require application and review.
Every price or listing should route to one of two actions only:
