---
title: "Wayflyer Blog"
description: "Insights, stories, and tactics from the world's best consumer brands."
canonical: "https://wayflyer.com/blog"
locale: "en"
---

# Wayflyer Blog

Insights, stories, and tactics from the world's best consumer brands.

- [The Growth Lever Hiding in Your Shipping and Returns Policy](https://wayflyer.com/blog/growth-lever-shipping-returns-policy): Shipping speed and refund defaults quietly eat 8-15% of revenue. See how the Wayflyer + SHIPAID partnership turns that leak into growth capital.
- [How to get a business loan: requirements, steps and options (2026)](https://wayflyer.com/blog/how-to-get-a-business-loan): Learn how to get a business loan step by step: requirements, credit scores, loan types, timelines and how to qualify, even with bad credit or a new business.
- [The funding account that keeps up with your business](https://wayflyer.com/blog/always-on-funding): Wayflyer's new always-on funding account lets eligible eCommerce businesses connect once and access working capital whenever needed, no repeat applications.
- [Scaling a winning campaign isn't as simple as spending more](https://wayflyer.com/blog/scaling-a-winning-campaign): Scaling a winning campaign isn't just spending more. See why ROAS falls as you scale (audience saturation, creative fatigue, marginal ROAS) and how to fund the winners.
- [What is working capital? A simple guide with examples](https://wayflyer.com/blog/what-is-working-capital): Working capital is current assets minus current liabilities, the cash that keeps a business running. Learn the formula, see examples and how to improve it.
- [Invoice financing vs factoring: what's the difference?](https://wayflyer.com/blog/invoice-financing-vs-factoring): Invoice financing is a loan against your invoices; factoring sells them. Compare how each works, what they cost, and which is right for your business.
- [Business loan calculator: estimate your monthly payment, total cost & APR](https://wayflyer.com/blog/business-loan-calculator): Estimate your business loan's monthly payment, total interest, and true APR, then compare a term loan to Wayflyer revenue-based financing.
- [5 ways to build business credit (even if your personal score is low)](https://wayflyer.com/blog/build-business-credit-low-personal-score): Build business credit independently of personal FICO. Five ways (LLC, EIN, DUNS, net-30 tradelines, no-PG cards, RBF) with realistic timelines.
- [Alternative business loans: 7 non-bank options for SMBs in 2026](https://wayflyer.com/blog/alternative-business-loans): Compare 7 alternative business loans (RBF, term loans, MCAs, lines of credit, factoring and more) vs banks and SBA loans. The 2026 guide for SMBs.
- [Unsecured business loans: how they work and who should use one](https://wayflyer.com/blog/unsecured-business-loans-guide): Compare unsecured business loans, lines of credit and no-collateral funding. Learn rates, requirements, and how to qualify without a personal guarantee.
- [Inventory financing for seasonal businesses: everything you need to know](https://wayflyer.com/blog/seasonal-inventory-financing): Compare seasonal inventory loans, lines of credit, RBF and SBA seasonal CAPLines. A guide to inventory financing for seasonal eCommerce businesses.
- [Contribution margin explained: formula, ratio & real world examples](https://wayflyer.com/blog/contribution-margin-over-revenue): Learn the contribution margin formula, how to calculate CM per unit and CM ratio, with 2026 eCommerce benchmarks. Free calculator included.
- [What Is Growth Capital? Everything SMBs Need to Know Before Applying](https://wayflyer.com/blog/what-is-growth-capital): What is growth capital? It's financing that funds business expansion for established SMBs. Learn how it differs from loans and venture capital, and when it makes sense to apply.
- [What Is Revenue Based Financing? A Complete Guide for Consumer Brands](https://wayflyer.com/blog/revenue-based-finance): Revenue based financing gives consumer brands fast, non-dilutive capital tied to their revenue. No equity, no fixed payments. See how Wayflyer works.
- [How Brands Can Turn Amazon Opportunities into Immediate Growth](https://wayflyer.com/blog/turn-amazon-opportunities-into-growth): Learn how eCommerce brands turn Amazon opportunities into immediate growth with integrated insights and flexible capital.
- [The Data Advantage: How Clean Books Lead to eCommerce Growth](https://wayflyer.com/blog/the-accounting-data-advantage): Clean accounting data gives eCommerce brands a decisive financing edge. Learn how organized books lead to better funding terms, higher amounts, and faster growth.
- [What Is Growth Capital? Everything SMBs Need to Know Before Applying](https://wayflyer.com/blog/figma-comparison-test)
- [The Strategic Alignment: Turning Marketing Clarity into Deployable Capital](https://wayflyer.com/blog/marketing-clarity-deployable-capital): Understanding your true marketing ROI unlocks access to smarter growth capital. Discover how marketing clarity translates into deployable financing for consumer brands.
- [Why AI-Driven Marketing Demands Intelligent Capital](https://wayflyer.com/blog/ai-driven-marketing): AI-powered marketing creates opportunities faster than ever, but only if you have capital ready to deploy. Learn why intelligent, responsive financing is essential for AI-driven growth.
- [Speed-to-Capital: Why It's the Most Important Metric for Today's Brands](https://wayflyer.com/blog/speed-to-capital): Speed-to-capital is the hidden competitive advantage separating winning brands from those left behind. Learn why fast access to funding matters more than ever.
- [From Community to Cashflow: The Business Case for Cult Brands](https://wayflyer.com/blog/cult-brands-business-case): Cult brands drive low CAC and high LTV through community, not paid ads. Learn the business case for building a beloved D2C brand with Wayflyer.
- [Retail Radar: Brands you may not realize have celebrity investors](https://wayflyer.com/blog/brands-with-celebrity-investors): Not all celebrity investors are created equally. Here are the exciting brands you may not realize are backed by famous actors, athletes and singers.
- [Ask an Underwriter: How do I maintain profitability during economic change?](https://wayflyer.com/blog/economic-change): Discover key strategies for maintaining profitability for your business during times of economic change, direct from our underwriting team.
- [Underwritten: The secrets of how to sell drinks online](https://wayflyer.com/blog/how-to-sell-drinks-online): What’s required to perfect the art of how to sell drinks online, and what can we learn from the game-changing brands who have made millions doing it?
- [Ask an Underwriter: What can I do to increase my supply chain diversification?](https://wayflyer.com/blog/supply-chain-diversification): Discover key strategies for supply chain diversification. Learn from our underwriters what you can do to help build resilience for your business.
- [Founders’ Formula: Knowing when you’re ready for retail with Act+Acre](https://wayflyer.com/blog/founders-formula-act-and-acre): Landing on the shelf in Sephora is an absolute dream. It was for Act+Acre. But the first time they were approached, they said no. Here's why.
- [What Type of Funding Does Your DTC Brand Really Need?](https://wayflyer.com/blog/funding-options-for-scaling): What are Wayflyer’s best funding options for scaling? And how does Wayflyer's funding differ from traditional loans? Let us break down your options here.
- [Retail Radar: The rise of non-alcoholic CBD drinks](https://wayflyer.com/blog/non-alcoholic-cbd-drinks): As consumers seek non-alcoholic alternative drinks, CBD non-alcoholic drinks have emerged as a winner worth $1.4 billion. Here are the brands not to miss.
- [Ask an Underwriter: I'm worried about US tariffs – how can I protect my margins?](https://wayflyer.com/blog/us-tariffs-advice): Worried about US tariffs impacting your eCommerce margins? Get expert advice from Wayflyer's Credit Lead on how to protect your business. 
- [Retail Radar: Sustainable beauty brands changing the market](https://wayflyer.com/blog/sustainable-beauty-brands): Discover the sustainable beauty brands changing consumer expectations and trends in skincare, haircare and beyond.
- [How your discount pricing strategy impacts your P&L statement](https://wayflyer.com/blog/discounting-impact-profit-loss-statement): Understand how discount pricing strategy affects your eCommerce P&L. Learn how to make data-driven discounting decisions with Wayflyer.
- [How to calculate your eCommerce profit margins](https://wayflyer.com/blog/ecommerce-profit-margin): Healthy margins are one of the ultimate signifiers of growth for quickly-scaling eCommerce brands. Here's how to calculate your eCommerce profit margins.
- [How to choose the right eCommerce financing option](https://wayflyer.com/blog/ecommerce-financing-options-choosing-right-fit): Identify the ideal eCommerce financing option for your brand. Learn how to select the best funding source to fuel growth and optimize working capital.
- [How your cashflow statement vs P&L interplay](https://wayflyer.com/blog/ecommerce-profit-loss-cash-flow-statement-interplay): Understand how cash flow statement vs P&L interact in eCommerce. Learn why profitability doesn't always equal positive cash flow for brands.
- [ROAS calculator: How marketing metrics impact your profit and loss statement](https://wayflyer.com/blog/marketing-metrics-impact-profit-and-loss-statement-roas-mer): Understand how ROAS and MER affect your eCommerce's Profit and Loss statement with our easy-to-use ROAS calculator.
- [How to keep every operating expense lean to navigate seasonality](https://wayflyer.com/blog/lean-fixed-operating-expenses-ecommerce-seasonality): Discover how to maximize profit using lean fixed operating expenses and how they can help to grow your eCommerce brand.
- [How Wayflyer fits into your brand’s finance stack](https://wayflyer.com/blog/wayflyer-consumer-brand-financing-stack): Discover how Wayflyer's financing fits into your brand's financing stack. Learn selection criteria and maximize ROI on short-term working capital.
- [The 4L3M profitability framework: 4 ways to boost your brand](https://wayflyer.com/blog/4-profit-levers-3-margins-framework-consumer-brands): Master the 4L3M profitability framework to boost your consumer brand. Learn how to optimize price, variable costs, ad spend and OpEx to improve gross, contribution and operating profit margins with Wayflyer.
- [6 smart cash management strategies for eCommerce brands](https://wayflyer.com/blog/ecommerce-cash-management): Read eCommerce expert and advisor Paul Waddy's top cash management strategies for keeping your business healthy and geared toward growth.
- [How to do a twelve week cashflow forecast for your brand](https://wayflyer.com/blog/ecommerce-cash-flow-forecasting-13-week-rolling-plan): Implement a twelve week cashflow forecast for your eCommerce business. Predict shortfalls, plan growth, and stay financially healthy.
- [What is revenue-based financing and why choose it over equity financing?](https://wayflyer.com/blog/revenue-based-finance-vs-equity-financing): We spoke to 11 eCommerce founders and operators to understand why they chose revenue-based finance over equity financing.
- [How to balance your unit economics and working capital](https://wayflyer.com/blog/wayflyer-matrix-ecommerce-unit-economics-working-capital): Plot your eCommerce brand on our matrix of profitability vs cash conversion cycle and find out exactly how to balance your unit economics and working capital
- [Cash Conversion Cycle: Formula, Calculator & Benchmarks](https://wayflyer.com/blog/ecommerce-cash-conversion-cycle-working-capital-management): Calculate your cash conversion cycle with a free CCC calculator. Formula (DIO + DSO − DPO), DTC and Amazon benchmarks, and proven ways to shorten the cycle.
- [How Wild deodorant redefined the personal care category](https://wayflyer.com/blog/how-wild-designed-and-launched-sustainable-deodorant): Read how Wild deodorant achieved growth through product design and access to working capital.
- [The trouble with Amazon aggregators for eCommerce brands](https://wayflyer.com/blog/amazon-aggregators): Why Amazon aggregators are the perfect case study in how the evaluation criteria of traditional lenders is flawed and how we at Wayflyer do it differently.
- [How to calculate the ideal discount for your BFCM sales](https://wayflyer.com/blog/bfcm-discount-calculator): Understand the impact of your discounting strategy on contribution margin and new customer acquisition with this simple spreadsheet formula.
- [The five biggest eCommerce challenges and how to survive them](https://wayflyer.com/blog/ecommerce-economic-challenges): Here's how to navigate the five biggest eCommerce challenges including inflation, geopolitical tensions, and pandemics.
- [How Wayflyer’s eCommerce funding can help you grow your business](https://wayflyer.com/blog/giving-ecommerce-businesses-access-to-the-funding-they-deserve): Wayflyer has successfully secured a $300m credit facility from J.P. Morgan, a world-leading bank to provide eCommerce funding.
- [Wayflyer funding is coming to four new countries](https://wayflyer.com/blog/announcing-our-expansion-in-germany-sweden-belgium-and-denmark): Wayflyer funding is coming to Germany, Sweden, Belgium, and Denmark to help eCommerce businesses reach their full potential.
- [4 Black Friday marketing tips for eCommerce brands](https://wayflyer.com/blog/black-friday-cyber-monday-marketing-tips): How can eCommerce brands drive sales and maximise profits across BFCM? Here are our must-read Black Friday marketing tips for eCommerce brands.
- [A founder’s guide to eCommerce business funding](https://wayflyer.com/blog/ecommerce-funding): Learn about the different types of eCommerce business funding that founders can use to grow, including venture capital, loans and revenue-based financing.
- [Wayflyer expands U.S. footprint with Georgia office opening](https://wayflyer.com/blog/wayflyer-expands-u-s-footprint-with-georgia-office-opening): Today we are announcing our expansion into fintech hub Georgia, marked by an investment into office space in the capital Atlanta, as well as the appointment of Jay Puentes as U.S. Director of Sales.
- [How To Plan Cash Flow in a Seasonal eCommerce Business](https://wayflyer.com/blog/managing-seasonal-cash-flow): Build a 13-week forecast, size your cash reserve, negotiate supplier terms, and choose financing that flexes with your seasonal eCommerce cycle.
- [How to spot a dip when analyzing paid ad performance](https://wayflyer.com/blog/ad-performance-dip): When you suffer a drop in ad performance, it costs you more than just clicks. Here's how to spot issues when analyzing paid ad performance.
- [How to minimize shipping costs for your eCommerce brand](https://wayflyer.com/blog/how-to-recover-costs-from-freight-increases): To get some insight into how eCommerce companies can minimize shipping costs to become more resilient and mitigate the risks of these freight increases.
- [How King Kong Apparel accelerated their growth](https://wayflyer.com/blog/how-to-build-strong-relationships-with-manufacturers): Here's how King Kong Apparel’s has built strong relationships with its manufacturers and how these relationships translate to business growth.
- [4 simple inventory management strategies for eCommerce brands](https://wayflyer.com/blog/ecommerce-inventory-management-challenges): Struggling to predict demand, bring new products to market, and manage supply chains? Here are the inventory management strategies that will make a difference.
- [Wayflyer raises $150m in Series B funding](https://wayflyer.com/blog/series-b): We've raised a Series B funding round of $150m. The raise brings Wayflyer’s valuation to $1.6bn, making us Ireland’s newest unicorn. 
- [Types of crowdfunding for eCommerce brands: The complete guide](https://wayflyer.com/blog/ecommerce-crowdfunding): Crowdfunding is a great way to raise capital for your eCommerce brand and build your audience. Here's your guide to the best types of crowdfunding.
- [The disadvantages of venture capital to fund your business](https://wayflyer.com/blog/giving-away-equity-to-fund-inventory-and-marketing-is-inefficient): Confused about your financing options? Learn about the advantages and disadvantages of venture capital as a means to finance your consumer brand.
- [Wayflyer funding is now available in Spain and the Netherlands](https://wayflyer.com/blog/wayflyers-expansion-into-spain-and-the-netherlands)
- [Wayflyer becomes an official eBay partner](https://wayflyer.com/blog/announcing-our-partnership-with-ebay-uk): We’re proud to announce that we're now an official eBay partner! We are joining the Capital for eBay Business Sellers programme.
- [How to create new WooCommerce store growth with financing](https://wayflyer.com/blog/how-to-use-finance-to-grow-your-woocommerce-store): Want to grow your WooCommerce store? Learn the options that exist and how to create new WooCommerce store growth with financing.
- [Wayflyer raises $76m in Series A funding](https://wayflyer.com/blog/announcing-our-76m-series-a): Today, we are proud to announce our all equity Series A funding of $76m. This investment will help us strengthen our position.
- [5 things every brand should know about eCommerce attribution](https://wayflyer.com/blog/attribution-for-ecommerce-101): In an eCommerce world where ROAS and gross margins are king, eCommerce attribution is a tool for marketers to understand what to cut and where to double down.
- [How to compare Facebook Ads vs Google Ads for eCommerce](https://wayflyer.com/blog/facebook-ads-vs-google-ads-for-ecommerce): Wondering how to compare Facebook Ads vs Google Ads for your eCommerce brand? Read our detailed guide, direct from our CEO.