Working capital for
consumer services.

Cover payroll, supplies, and growth so your salon, restaurant,
gym, or any service business thrives through ups and downs.

Start application

We've funded over $5 billion to help SMBs grow.

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Don’t just take our word for it.

Rated 4.9/5 based on 400+ reviews.

Showing our 5 star reviews at Trustpilot.

Financing for consumer service providers made simple.

purple-clock 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.

purple-lot-of-cashOne simple, transparent fee.

One simple, fixed fee disclosed upfront. There are no interest rates, closing fees, or monitoring fees.

purple-growPredictable, fixed repayments.

Lock in a clear repayment schedule for easier cash flow planning and budgeting. Avoid the volatility of revenue-based remittances.

Why consumer service providers choose Wayflyer.

Don’t delay the big investments.

Buy new equipment, hire staff, or open new locations with financing tailored to your goals.

Dashboard displaying a $140,000 due for Cool Restaurant Inc., with options to cover using Wayflyer, 120+ team members, and 40+ locations. Arrows indicate growth.

Grow your customer base faster.

Invest in marketing, promotions, and local advertising now, and have new customers walk through your doors sooner.

Dashboard showing payments and customer stats. Payments list shows amounts for local advertising, promotions, and marketing. New customers: 800+, up 52%.

Smooth out the seasonal dips.

Access capital during slow months so your business runs reliably year round.

Two panels. Left: "Wayflyer Financing" offering $900K. Right: "Sales" graph for six months, totaling $782K with a 4% increase. Bars shown for June to November.

Upgrade equipment
without delays.

Use Wayflyer financing to repair or replace equipment right when you need it.

A financial dashboard for Cool Restaurant Inc. shows $410K revenue and equipment replacement cost of $70,550. Includes a woman's photo and finance offer of $320K.

Are you eligible for financing?

24+ months in business

card showing a business should have at least 24 months of business

$10,000+ monthly sales

FICO score (US only)

FICO score for US only should be 640+

Operate in a supported country

Business must be incorporated in the US or UK

Frequently Asked Questions