Wayflyer BFCM Promotion Terms

WAYFLYER 28-DAY PAYMENT HOLIDAY PROMOTION TERMS & CONDITIONS

These Terms and Conditions (the Terms) apply to the “28-Day Payment Holiday Promotion” (the Promotion) organized by Wayflyer Limited t/a Wayflyer (Wayflyer, we, us, or our). By participating in the Promotion, you (Customer or you) agree to be bound by these Terms.

1. Promotion Overview

  • This limited-time Promotion offers eligible US businesses a 28-day payment holiday on qualifying Wayflyer short-term loans originated during the Promotion period. During the payment holiday, the first scheduled repayment is deferred by 28 calendar days from the date of deployment of funds. Fees payable in accordance with the loan agreement will continue to apply during the payment holiday period.

2. Promotion Period

  • Starts: October 13, 2025, 12:00 a.m. Pacific Time
  • Ends: November 15, 2025, 11:59 p.m. Pacific Time
  • Contract signing cutoff: Loan agreements must be fully executed by 11:59 p.m. PT on November 15, 2025.
  • Funding deadline: Funds must be deployed within 30 days of approval; otherwise, eligibility may lapse.
  • Wayflyer reserves the right to shorten or extend the Promotion period in its sole discretion.

3. Eligibility, Exclusions and Limitations

  • Only Wayflyer short-term, fixed-term loans are eligible (i.e. loans having a repayment term of 6 months or less) - merchant cash advance products are excluded.
  • Businesses must satisfy all Wayflyer eligibility criteria, including: (i) business must not involve a restricted product (as determined by Wayflyer in its discretion); (ii) business must be trading for at least six (6) months and have generated at least $20,000 in monthly revenue in its most recent six (6) months of trading.
  • Business must be incorporated and operating in any US state, excluding Nevada, North Dakota, South Dakota, and Vermont. Other state-specific restrictions may apply.
  • New and reactivated customers are eligible.
  • Active renewals and Enterprise accounts are excluded unless expressly approved by Wayflyer in writing
  • Existing customers with non-short-term products are excluded.
  • Fraud, misrepresentation, or abuse voids eligibility.
  • Promotion is unavailable where prohibited by law.

5. Credit and Underwriting Criteria

  • Eligibility is subject to Wayflyer’s standard underwriting and risk assessment.
  • Business must not have existing liens or encumbrances that would take priority over Wayflyer’s security interest.
  • Wayflyer may require additional information and may withdraw or deny eligibility at its sole discretion based on risk, fraud, or compliance considerations.
  • Customer must be approved for funding and meet all criteria set out in paragraphs 2 and 3 above.

6. Loan Size Parameters

  • Minimum loan amount: $10,000
  • Maximum loan amount: $5,000,000 (Wayflyer may impose caps or adjust limits at any time to manage exposure).

7. How the Payment Holiday Works

  • The first payment due date is deferred to the date that is 28 calendar days after the date of deployment of funds. All subsequent payments will follow the repayment schedule set out in the loan agreement.
  • Fees payable in accordance with the loan agreement will continue to apply during the payment holiday period.
  • Failure to make repayments when due after the deferred first payment date constitutes a “Termination Event” in accordance with the terms of the loan agreement.

12. General Terms

  • The Promotion is non-transferable and may not be sold, combined with other promotions, or redeemed for cash or credit.
  • Customer is responsible for any applicable taxes.
  • Wayflyer may suspend, modify, or terminate the Promotion, or a Customer’s participation in it, at any time, with or without notice, to the extent permitted by law. If the Promotion is terminated early, loan contracts executed prior to termination will continue to continue to avail of the Promotion.
  • To the fullest extent permitted by law, Wayflyer shall not be liable for any indirect, incidental, special, or consequential damages arising out of or relating to the Promotion.
  • All matters related to these Terms will be governed by and construed under the laws of the State of Georgia, without reference to conflict-of-law rules.
  • These Terms supplement the terms of any Wayflyer loan agreement entered into in connection with the Promotion, Wayflyer’s Terms of Business and Wayflyer’s Privacy Notice (the Wayflyer Terms). In the event of any conflict between these Terms and the Wayflyer Terms, the Wayflyer Terms control.
  • To the fullest extent permitted by law, Wayflyer shall not be liable for any indirect, incidental, special, or consequential damages arising out of or relating to the Promotion.

18. Contact

  • For questions about eligibility or the payment holiday, contact your Wayflyer representative.