Working capital for
consumer services.

Cover payroll, supplies, and growth so your salon, restaurant,
gym, or any service business thrives through ups and downs.

Start application

We've funded over $5 billion to help SMBs grow.

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Don’t just take our word for it.

Rated 4.8/5 based on 400+ reviews.

Showing our 5 star reviews at Trustpilot.

Five star rating

Let me shout out how amazing Harriet…

Let me shout out how amazing Harriet Mannion has been! 2 years of meeting our needs and helping us scale to levels we never could have achieved without an efficient borrowing partner.

Author avatar
Austin Baiseri24 Oct
Five star rating

Alyssa Dotterer was great to work with!

Alyssa Dotterer was great to work with! She is very responsive and was quick to answer any questions or concerns that I had. I really appreciate how their finance team was open to feedback and was able to structure an offer that made sense for our current company position. I would definitely recommend Wayflyer to a friend!

Author avatar
Fabian Araujo21 Oct
Five star rating

An Incredible Team to Work With!

Working with the Wayflyer team has been an absolute pleasure. They're professional, responsive, and genuinely invested in our growth. More than just a funding partner, they feel like a true extension of our team. Thanks to their support, we’ve been able to scale faster and with confidence. Huge thanks to the entire Wayflyer team – you're amazing!

Author avatar
Ceylan Erdoğan08 Oct
Five star rating

Wayflyer and specifically Peter Paul is…

Wayflyer and specifically Peter Paul is fabulous to work with and helped us get the funding we needed quickly. We've used them several times over the years for short-term loans that helped us purchase inventory as we head into a busy season.

Author avatar
Carrie Allen29 Sept
Five star rating

We had a great Tailored Revenue-Based Advance with Competitive Termexperience working with…

We had a great experience working with Wayflyer for our revenue-based advance. The entire process was smooth and transparent. A special thanks to Clodagh, who took the time to understand our business needs and tailored the best plan with a very competitive repayment schedule. We truly appreciate the support and are hopeful to build a long-term collaboration with Wayflyer.

Author avatar
Swayangsiddha Pandey25 Sept
Five star rating

Exceptional Experience

I want to extend my highest recommendation to Wayflyer and their team for the invaluable support they provided in financing our business. In my time as a seasoned entrepreneur with multiple successful start-ups, I have never come across a finance partner with a deeper understanding of business requirements and cash flow needs than Wayflyer. Their team offered exceptional support, consistent and timely follow-ups, and demonstrated a genuine commitment to finding the best possible way forward. Wayflyer stands out not just for their financial solutions, but for their ability to truly understand and align with the needs of growing businesses - in particular in its early stages.

Author avatar
Jonas Willemoes Pedersen25 Sept
Five star rating

Always easy to work with.

Always easy to work with.

Author avatar
Ben Taylor24 Sept
Five star rating

Wayflyer is seriously legit

Wayflyer is seriously legit. They get you the funding way faster than traditional bank loans.

Author avatar
Michael Stein23 Sept
Five star rating

Muy recomendable

Muy recomendable. Como start-up de Ecommerce, creo que es la mejor solución que podíamos encontrar para nuestra financiación. Muy contentos de trabajar con ellos.

Author avatar
Ramón Acín16 Sept
Five star rating

We have done two loans with Wayflyer…

We have done two loans with Wayflyer and both have postitly supported our business and helped arrange stock for new retail listings. Customer support has been amazing!

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Simon Stevens12 Sept
Five star rating

Highly Recommended!

Wayflyer and their team has been pivotal in providing quick capital at competitive rates allowing us to continue to scale!

Author avatar
Jason Dooney11 Sept
Five star rating

Fantastic experience!

Fantastic experience! The entire Wayflyer team was so easy to work with and executed flawlessly. Super responsive team. Thank you again! Bravo!

Author avatar
Rama Jager29 Aug

Financing for consumer service providers made simple.

purple-clock Apply in minutes, not days.

Our AI-driven underwriting will process your application quickly, so you spend time growing your business, not filling out forms.

purple-lot-of-cashOne simple, transparent fee.

One simple, fixed fee disclosed upfront. There are no interest rates, closing fees, or monitoring fees.

purple-growPredictable, fixed repayments.

Lock in a clear repayment schedule for easier cash flow planning and budgeting. Avoid the volatility of revenue-based remittances.

Why consumer service providers choose Wayflyer.

Don’t delay the big investments.

Buy new equipment, hire staff, or open new locations with financing tailored to your goals.

Dashboard displaying a $140,000 due for Cool Restaurant Inc., with options to cover using Wayflyer, 120+ team members, and 40+ locations. Arrows indicate growth.

Grow your customer base faster.

Invest in marketing, promotions, and local advertising now, and have new customers walk through your doors sooner.

Dashboard showing payments and customer stats. Payments list shows amounts for local advertising, promotions, and marketing. New customers: 800+, up 52%.

Smooth out the seasonal dips.

Access capital during slow months so your business runs reliably year round.

Two panels. Left: "Wayflyer Financing" offering $900K. Right: "Sales" graph for six months, totaling $782K with a 4% increase. Bars shown for June to November.

Upgrade equipment
without delays.

Use Wayflyer financing to repair or replace equipment right when you need it.

A financial dashboard for Cool Restaurant Inc. shows $410K revenue and equipment replacement cost of $70,550. Includes a woman's photo and finance offer of $320K.

Are you eligible for financing?

24+ months in business

card showing a business should have at least 24 months of business

$10,000+ monthly sales

FICO score (US only)

FICO score for US only should be 640+

Operate in a supported country

Business must be incorporated in the US or UK

Frequently Asked Questions