--- title: "Ecommerce Financing, No Personal Guarantee | Wayflyer" description: "Ecommerce financing with no personal guarantee. One fixed fee, funds in as little as 24 hours, and applying won't affect your credit score." canonical: "https://wayflyer.com/ecommerce-financing" locale: "en" --- # Ecommerce financing, built around your sales Fund inventory, ads and growth with one fixed fee and no personal guarantee. [Apply now](https://app.wayflyer.com/authn/signup) 4.6 stars from 500+ reviews | GDPR and SOC II compliant | Applying won't affect your credit score ## Tell us about your business · Securely connect your platforms · Get approved for financing ## Ecommerce funding for every stage of your growth ### Flexible repayment structure Choose to repay daily, weekly, every 2 weeks or monthly, depending on your offer, aligned with your own cashflow cycle to avoid surprises or spikes. ### Fund inventory purchases 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 and fund advertising costs before peak season. ### Fund growth and expansion Let Wayflyer help you expand your business, whether that's on new marketplaces or in new regions. ## Apply in minutes. Access capital in hours. 1. **Tell us about your business** Create an account and answer a few questions about your store, what you sell and what you want to fund. It takes a few minutes. 2. **Connect your sales platforms** Link your store, marketplaces and ad accounts through secure, read-only connections. We use your real sales history to build your offer, so there's no paperwork to gather and no forecast to defend. 3. **Choose your offer and receive funds** Pick the amount and repayment schedule that suit your cash flow. Accept, and the money lands in your account in as little as 24 hours. ## Are you eligible for ecommerce financing? - $10,000+ monthly sales - 6 months+ in business - Sell physical products - Operate in a country we work in > “Wayflyer has been that very flexible financing partner that's really enabled us to avoid the need to go and raise capital.” > > Ben Yahalom, President, True Classic ## Frequently asked questions about ecommerce financing **What is ecommerce financing?** Ecommerce financing is funding for online stores, sized on your sales data and repaid as you sell. It covers inventory, advertising and expansion, and it includes revenue-based financing, term loans, lines of credit, inventory financing, merchant cash advances and invoice finance. The right type depends on your stage and what you need to fund. **Can I get a loan for an ecommerce business?** Yes. Online stores can access term loans, lines of credit, government-backed loans and revenue-based financing. Banks tend to want years of accounts, collateral and a personal guarantee. Revenue-based financing like Wayflyer's looks at your store's sales instead, so a store with 6 months of consistent sales can qualify without pledging personal assets. **What are the main types of ecommerce financing?** The main types are revenue-based financing (a merchant cash advance), term loans, government-backed loans, business lines of credit, inventory financing and invoice finance. Revenue-based financing is sized on sales and repaid as a share of revenue, so repayments flex with your sales. Term loans are repaid in fixed amounts. Loans and lines of credit charge interest and often need a personal guarantee. **Which ecommerce financing is best for my store?** It depends on your stage and your biggest cash-flow pressure. Stores under 6 months old usually start with a business credit card. Inventory-heavy and seasonal stores tend to use revenue-based financing, because repayments flex with sales. Ad-driven brands use it to scale spend with a known payback. Large one-off purchases with predictable returns can suit a term loan. **Do I need a personal guarantee or collateral?** Not with Wayflyer. We assess your store's sales performance, so you never sign a personal guarantee or pledge your home, savings or stock. Most term loans, lines of credit and government-backed loans ask for a personal guarantee, and inventory financing uses the stock itself as collateral. **How much can an ecommerce business borrow, and what does it cost?** Wayflyer offers from $10,000 to $20 million, for one fixed fee agreed upfront. It's available to businesses in 11 countries: the US, UK, Ireland, Australia, Germany, Spain and the Netherlands, plus 4 more. The fee depends on the amount, term and your store's performance, and you see the full cost before you accept. There's no interest and no extra charges. **What is a repayment cap, and who can get one?** A repayment cap sets a ceiling on how much Wayflyer collects from your sales in a period set in your offer (weekly, every 2 weeks or monthly) on a revenue-based financing offer (a merchant cash advance). You still remit a percentage of your daily sales, so payments fall when revenue dips, but collections stop once the cap for that period is reached. Caps are available on revenue-based financing offers only, not on term loans. Caps are only offered in specific circumstances: Wayflyer decides eligibility on each offer, and your Wayflyer contact can tell you whether a cap is available on yours. **What happens if I don't reach my cap in a period?** Caps are cumulative: any shortfall carries into the next period's cap rather than being forgiven. For example, with a $100 cap every 2 weeks, if only $80 is collected in the first 2 weeks, the cap for the next 2 weeks becomes $120. This continues until the financing is fully repaid. The cap applies for the estimated term, after which collections go back to the uncapped percentage of your daily sales. **How fast can I get funds?** In as little as 24 hours after you accept an offer. Applying takes minutes: create an account, connect your sales platforms and choose from your tailored offers. Because we use live sales data rather than paperwork, there's no waiting on a bank's underwriting queue. **Can a new or startup ecommerce store get financing?** Yes, once you have at least 6 months of sales. Revenue-based financing needs sales history to size an offer, so a store that launched last month won't qualify yet. Keep selling, and apply as soon as you hit the thresholds. Checking won't affect your credit score. **Will applying affect my credit score?** No. Applying for Wayflyer financing has no impact on your credit score, because we build offers on your store's sales data. You can check your eligibility and see your offers before deciding whether to accept. **What can ecommerce financing be used for?** Ecommerce financing can be used for anything that grows your store: inventory, advertising, seasonal stock builds, new marketplaces and regions, and the supply-chain or tariff shocks that arrive without warning. Owners usually fund one of these 5 things: • Inventory: Place bigger purchase orders, negotiate better unit prices and stop losing sales to stockouts. • Advertising and marketing: Scale the campaigns that already convert. When you know your return on ad spend, more budget means more customers. • Seasonal builds: Stock up ahead of Q4, Prime Day or your own peak season, then repay as those sales come in. • New marketplaces and regions: Launch on a new marketplace or ship to a new country without draining the cash that runs your existing channels. • Supply-chain and tariff shocks: Cover a sudden freight increase, a tariff change or a supplier who now wants payment upfront, and keep growing while you do. There are no spend restrictions, so you decide where the money works hardest. **Which sales platforms can I connect?** You can connect your online store, marketplace and advertising accounts, including Shopify, Amazon, Meta and more, through secure, read-only integrations. Connections are read-only, so we can see your sales data but never change anything in your accounts. **How is ecommerce financing different from a bank loan?** Ecommerce financing from Wayflyer sizes your offer on sales data, charges one fixed fee and needs no personal guarantee. You choose between revenue-based financing (a merchant cash advance), repaid as a share of your sales, and a term loan, repaid in fixed amounts. A bank loan charges interest over the term, usually needs a personal guarantee and can take weeks to approve. ## Ready to fund your next order? [Apply now](https://app.wayflyer.com/authn/signup)