Fast, hassle-free restaurant business loans. Apply in 10 minutes.Fast, hassle-free restaurant business loans. Apply in 10 minutes.

Most do: SBA and bank loans require one from every owner with 20% or more, and most online lenders ask for one too. Wayflyer doesn't. Restaurant financing from Wayflyer has no personal guarantee, so the loan sits with the business, not your house or personal credit.

There's no single best loan. An SBA is usually the cheapest for a big project if you can wait weeks to months and provide a guarantee. POS capital is quick but small. Wayflyer is for restaurants that want up to £1m, a decision in days, one fixed fee and no personal guarantee.

An interest rate compounds over time, so the total you pay depends on how long you take. A fixed fee is a single fixed amount agreed upfront, so your total repayment is known before you accept and never grows.

Wayflyer runs a soft credit check that won't affect your credit score and makes its decision mainly on your restaurant's bank and sales data, not your personal score.

Yes. Wayflyer funding is unrestricted, so you can put it toward ovens, refrigeration, a fit-out or a truck alongside payroll and stock.

Speed, paperwork and the guarantee. An SBA can reach £5m with long terms, but takes weeks to months, needs a business plan and two-plus years of financials, and requires a personal guarantee. Wayflyer is smaller, up to £1m, but decides in days on your trading data with no personal guarantee.

Yes. POS offers are sized to the card sales that provider can see, and typically cap out well below £1m. Wayflyer underwrites on your full bank and sales data from any POS, so you can apply whether or not you have an offer in your dashboard, and you don't need to switch systems.

Yes, if your current site has been trading for 2 years or more. Operators use Wayflyer for the fit-out, deposit and first months' rent, opening stock, hiring ahead of launch and the marketing push, the costs a landlord allowance or equipment lender won't cover. Buying the building itself is an SBA 504 or commercial lender job.

Independent restaurants, bars, cafés and coffee shops, quick-service and fast-casual, food trucks, franchises, food halls and multi-site groups.

Often, yes. Restaurants run an SBA loan for a build-out and Wayflyer for working capital, and some use Wayflyer to replace several daily-debit advances with one fixed weekly or monthly payment. We size the offer so the repayment stays comfortable.

The application takes about 10 minutes. Once your bank and POS are connected we usually come back with a decision in days, and funds can reach your account in as little as 24 hours after you accept an offer. Bank and SBA timelines are typically measured in weeks to months.

Two. A Term Loan gives you one lump sum for a known move, sized to your revenue, one fixed fee, fixed weekly or monthly repayments. Rolling Financing shows you a maximum you can access over an agreed period, then you draw down what you need as Term Loans under that framework, useful for recurring working-capital needs.