WaterWorks Agency works with business owners who are past the “quick money” phase and are now dealing with the consequences of short-term financing — UCC filings, merchant cash advances, liens, or restricted borrowing power on their EIN. Many of our clients are still profitable, often generating $50,000–$100,000+ per month, yet unable to access real institutional capital due to congestion caused by prior funding activity. This marketplace exists for business owners who understand that capital structure matters. These are not loans and not instant approvals. These are institutional borrowing vehicles designed to replace daily or weekly payments with long-term, monthly capital access. Because these structures involve third-party entities, underwriting preparation, and irreversible setup costs, refunds are limited. Once a structure has been deployed or preparation has begun, fees are non-refundable. This ensures alignment and seriousness on both sides of the transaction. WaterWorks does not sell money. We design exits from bad capital and entry points into better capital.
The Institutional Capital Marketplace is a curated inventory of aged, compliant business entities sourced through WaterWorks’ capital partners. These entities are specifically used when a business owner’s current EIN is restricted by UCC liens, prior loans, judgments, or
repeated short-term financing. UCC filings and liens are not random — they are the natural result of how most businesses are taught to borrow. Once an EIN is congested, banks reduce exposure or decline outright. These structures allow qualified business owners to reposition borrowing power without stacking more pressure onto an already stressed business. Inventory is limited and rotates. Listings shown are examples. Each option requires application review and consultation before proceeding.
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.
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:
