Apply in minutes, not days. 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.
Working capital built
for retail businesses.
Cover inventory, staffing, or upgrades
without putting a squeeze on your cashflow.
We've funded over $5 billion to help SMBs grow.
Don’t just take our word for it.
Rated 4.8/5 based on 400+ reviews.
Showing our 5 star reviews at Trustpilot.
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.
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!
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!
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.
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.
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.
Always easy to work with.
Always easy to work with.
Wayflyer is seriously legit
Wayflyer is seriously legit. They get you the funding way faster than traditional bank loans.
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.
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!
Highly Recommended!
Wayflyer and their team has been pivotal in providing quick capital at competitive rates allowing us to continue to scale!
Fantastic experience!
Fantastic experience! The entire Wayflyer team was so easy to work with and executed flawlessly. Super responsive team. Thank you again! Bravo!
Flexible loans designed specifically for retail businesses.
Apply in minutes, not days.
Simple, transparent terms.Simple, transparent terms.
We charge a single, fixed fee. No hidden costs or complicated fee structures. Repayments are a fixed amount, with no hidden fees or penalties.
Reduced personal risk.Reduced personal risk.
Our working capital product is tied to your business, not to you. We do not require personal guarantees for any of the products that we sell.
Apply in minutes, not days. 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.
Simple, transparent terms.Simple, transparent terms.
We charge a single, fixed fee. No hidden costs or complicated fee structures. Repayments are a fixed amount, with no hidden fees or penalties.
Reduced personal risk.Reduced personal risk.
Our working capital product is tied to your business, not to you. We do not require personal guarantees for any of the products that we sell.
Wayflyer helps retailers manage cashflow and grow their business.
Flexible repayment structure.
Choose a bi-weekly or monthly repayment schedule that aligns with your own cashflow cycle, avoiding any surprises or spikes.
Fund inventory purchases.
Use Wayflyer to fund inventory purchases that can take time to sell through. Keep shelves stocked without running into a cashflow pinch.
Manage seasonal fluctuations.
Ensure you have enough cash to build inventory before peak season and to fund staffing costs during peak season.
Fund growth and expansion.
Let Wayflyer help you open a new location, launch an eCommerce store, or run a large promotion.
Stay resilient.
Handle unexpected expenses like equipment repairs, bulk supplier payments, or urgent staffing needs—without putting growth on pause.
Are you eligible for financing?
24+ months in business
$10,000+ monthly sales
FICO score (US only)
Operate in a supported country
