# Wayflyer

Source: https://businessloanbroker.ai/lenders/wayflyer/
Site: BusinessLoanBroker.ai (powered by Levr)

> Wayflyer funds consumer and ecommerce brands from $5,000 to $20 million on a flat fee with revenue based remittance over three to nine months.

Wayflyer is a Dublin based fintech that funds consumer and ecommerce brands with growth capital priced as a flat fee. It funds fast growing brands above roughly $10,000 in monthly sales with cash advances, revenue based financing and term loans from $5,000 to $20 million, with no personal guarantees and small business loans available in the US, UK and Australia.

## Key facts
- **Products:** Merchant cash advance, revenue based financing, business term loan
- **Funding range:** $5,000 to $20,000,000
- **Repayment:** Revenue based remittance over three to nine months, or fixed repayments; priced as a flat fee rather than interest
- **Security:** Cash advance unsecured; term loan may carry security; no personal guarantees
- **Operates in:** 11 countries; small business loans in the US, UK and Australia
- **Industries:** Ecommerce, retail, software and services
- **Founded and headquarters:** 2019, Dublin, Ireland, with offices including New York and Charlotte

## What does Wayflyer offer?

Wayflyer offers a [merchant cash advance](https://businessloanbroker.ai/business-loans/merchant-cash-advance/) and [revenue based financing](https://businessloanbroker.ai/business-loans/revenue-based-financing/) repaid as a share of revenue over three to nine months, plus a term loan with fixed repayments. Everything is priced as a flat fee rather than interest. Amounts run from $5,000 to $20 million, the advance is unsecured, and there are no personal guarantees. It also provides revenue analytics tools. Its website is wayflyer.com, it has debt facilities from J.P. Morgan and ATLAS SP, and it publishes more than $7 billion deployed to over 7,000 businesses, as a company figure.

## Who does Wayflyer fund, and who do they decline?

Wayflyer funds fast growing consumer and ecommerce brands, and increasingly retail, software and services businesses, in 11 countries, with its small business loan product in the US, UK and Australia. Its published guidance is monthly sales above $10,000, which is far lower than most ecommerce funders.

It does not publish decline criteria. The remittance is a share of revenue, so a brand with no online sales data or very seasonal sales will get a smaller or shorter offer. A Canadian brand should check which products are available locally, and compare [8fig](https://businessloanbroker.ai/lenders/8fig/) or [Uncapped](https://businessloanbroker.ai/lenders/uncapped/), which both list Canada.

## What does it typically cost and how fast is it?

Wayflyer does not publish its fee; pricing is quoted per file as a flat fee on the amount funded. Because remittance runs only three to nine months, the annual rate behind a flat fee is much higher than the fee suggests, so convert it with our [APR versus factor rate](https://businessloanbroker.ai/guides/apr-vs-factor-rate/) guide and compare with the typical range on our [revenue based financing](https://businessloanbroker.ai/business-loans/revenue-based-financing/) page. Funding speed is described as quick but not quantified.

## What will you need to apply?

Expect to connect your store platform, payment processor, ad accounts and business bank account so Wayflyer can read your sales and marketing data, and to provide incorporation documents and owner ID. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the standard set, and our [ecommerce financing](https://businessloanbroker.ai/industries/ecommerce/) page compares the funding options for online brands.

## How does Wayflyer compare with similar lenders?

[8fig](https://businessloanbroker.ai/lenders/8fig/) stages funding around your inventory purchase orders for US and Canadian sellers above $100,000 a year, which fits a brand whose constraint is supplier timing. [Uncapped](https://businessloanbroker.ai/lenders/uncapped/) offers term loans up to 24 months, a line recalculated every 14 days and a cash advance from $10,000 to $10 million in the UK, US and Canada. Wayflyer has the widest range of the three, from $5,000 to $20 million, and the lowest published sales guidance.

## How to apply

Apply once on this site and matching shows whether Wayflyer, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| Wayflyer | Cash advance, revenue based financing, term loan | $5,000 to $20,000,000 | 11 countries; loans in US, UK, Australia | Fast growing consumer and ecommerce brands above $10,000 monthly sales |
| 8fig | Inventory and revenue based financing | Sized to plan; $100,000 annual revenue minimum | United States and Canada | Ecommerce sellers needing recurring inventory capital |
| Uncapped | Term loan, line of credit, cash advance | $10,000 to $10,000,000 | UK, United States, Canada | High growth ecommerce and Amazon brands, generally above $100,000 monthly revenue |

## Questions and answers
**Is Wayflyer a loan?**

Its cash advance and revenue based financing are purchases of future revenue, while its term loan is a loan with fixed repayments. All are priced as a flat fee rather than interest.

**Is there a personal guarantee?**

No. Wayflyer publishes no personal guarantees. The cash advance is unsecured; the term loan may carry security on the business.

**What is the minimum to qualify?**

Wayflyer publishes a $5,000 minimum funding amount and a suitability guidance of monthly sales above $10,000. Neither is a formal eligibility rule.

## Related
- [8fig](https://businessloanbroker.ai/lenders/8fig/)
- [Uncapped](https://businessloanbroker.ai/lenders/uncapped/)
- [Revenue based financing](https://businessloanbroker.ai/business-loans/revenue-based-financing/)
- [Merchant cash advances](https://businessloanbroker.ai/business-loans/merchant-cash-advance/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-wayflyer
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)