No spend restrictions
Opening a new location, upgrading equipment, hiring staff or topping up working capital. Use the funds however your business needs.
Capital deployed so far:
Financing of £10k to £1m for restaurants, bars and cafés based on your business performance.
- Up to £1m in funding
- Receive funds in as little as 24hrs
- No personal guarantee
4.7 Stars from 500+ Reviews4.7 Stars from 500+ Reviews · Applying won't affect your credit score
Terms designed for how restaurants operate
Simple, transparent pricing
You know the full cost before you accept. No hidden charges or complicated fee structures.
- Financing amount
- £100,000
- Fee
- £4,200
- Total to repay
- £104,200
No personal guarantees
We fund the business, not the person. Applying is a soft check that won't affect your credit score.
No personal liability
Business funding
Trusted by 7,000+ of the world's fastest growing businesses
“When we found the right space for a new location, we needed funding for the fit-out, inventory and setup on the landlord's timeline, not a bank's. Wayflyer made that work.”
Marc Gravel
Co-owner, Coffee Addicts
“Having the facility in place ahead of the busy period meant available cash didn't become a distraction during peak trade. We could stay focused on growth rather than cash flow timing.”
Brodie Meah
Founder, Top Cuvée
Mouyyad Abdulhadi
Owner, Pax & Beneficia Coffee
“We buy ingredients in bulk, and as we've grown we're buying more aggressively. Wayflyer gives us the room to do that without cash flow becoming a worry.”
Read more stories from businesses growing with Wayflyer
Customer storiesSee how restaurant financing options compare
Bank loans follow lengthy processes and size offers off your credit history. A merchant cash advance is quick but may be smaller. Wayflyer sits in between: bigger than a cash advance, faster than a bank, with terms that reflect how your business actually operates.
Common questions
Wayflyer
Bank loan
Merchant cash advance
How much can you borrow?
£10k-£1m, sized to your business performance
Varies by bank, often secured
Sized to your monthly card takings
What's the cost?
One fixed fee, no compounding interest
Interest, plus fees
One fixed fee
Does a busy day change what you pay?
No - the repayment is fixed
No - the repayment is fixed
Yes - % of card sales, often including VAT and tips
How fast will you get funded?
Decision in hours
Weeks to months
Days
Will you need a personal guarantee?
No
Usually, plus security
Often
What do you need to qualify?
2 years trading; £10k+/month revenue
2+ years trading, strong credit, often security
Regular card takings, usually 6+ months trading
Compare Wayflyer with
Common questions
Wayflyer
Bank loan
How much can you borrow?
£10k-£1m, sized to your business performance
Varies by bank, often secured
What's the cost?
One fixed fee, no compounding interest
Interest, plus fees
Does a busy day change what you pay?
No - the repayment is fixed
No - the repayment is fixed
How fast will you get funded?
Decision in hours
Weeks to months
Will you need a personal guarantee?
No
Usually, plus security
What do you need to qualify?
2 years trading; £10k+/month revenue
2+ years trading, strong credit, often security
What financing options does Wayflyer offer for restaurants?
Same core terms, two ways to draw: a one-off Term Loan now, or Rolling Financing you can draw on as plans land.
One-off
Term Loan
For growing businesses that need a fixed repayment schedule to plan ahead.
- Fixed repayments
- Repaid weekly, bi-weekly or monthly
- 6-12 month time horizon
- Optional security (can lower cost of capital)
- One transparent fee, no hidden costs
Continuous
Rolling Financing
For established businesses that need ongoing access to capital.
Get repeat access to Term Loan products over a 12 month contract and draw down when you need.
Get repeat access to Term Loan products over a 12 month contract and draw down when you need.
Talk to salesAre you eligible?
2+ years
of trading
Date
14/3/2025
–5/7/2026
Presets
Month to date
Last month
Quarter to date
September 2025
MonTueWedThuFriSatSun
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United States
United Kingdom
Australia
Based in the US, UK or Australia
£10,000+ monthly sales
Monthly Revenue
L30D£12,480.05
↑Above £10k
Apply in minutes. Access capital in hours.
Submit an application
Securely share a few details about your business. It takes less than 10 minutes and won't affect your credit score.
Get a tailored offer
We'll review your performance and come back within hours with financing options that fit your business.
Receive your funds
Once you accept, we can send the funds straight to your bank in as little as 24 hours.
Frequently asked questions
Most do: banks usually require one from the directors, 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 you.
There's no single best loan. A bank is usually the cheapest for a big project if you can wait weeks to months and provide a guarantee and security. A merchant cash advance is quick but typically smaller than a term loan. Wayflyer is for restaurants that want up to £1m, offers in hours, one fixed fee and no personal guarantee.
An interest rate compounds over time, so the total cost of financing depends on how long you take to pay it off. A fixed fee is a single fixed amount agreed upfront, so your total repayment is known before you accept and never grows.
Anything your business needs. Wayflyer funding is unrestricted, so you can put it toward ovens, refrigeration, a refurbishment or a food truck alongside payroll and stock. Many operators use it to open a second location once their current site has been trading for 2 years or more: 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.
Speed, paperwork and the guarantee. A bank can lend more over longer terms, but takes weeks to months, needs a business plan and two-plus years of financials, and usually requires a personal guarantee or security. Wayflyer lends up to £1m and makes offers in hours based on your trading data with no personal guarantee.
A merchant cash advance takes a fixed percentage of every day's card sales off the top, tips and VAT included, before food, payroll and rent are paid. Hospitality businesses typically run on tighter margins, so a holdback of 10-20% of card sales could leave you cash-negative. A term loan has fixed repayments for more predictable cash flow as you grow.
Independent restaurants, bars, cafés and coffee shops, quick-service and fast-casual, food trucks, franchises, food halls and multi-site groups with 2 or more years of trading.
Often, yes. Restaurants may take a bank 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 you've connected your platforms we can come back with your tailored offers in hours, and funds can reach your account in as little as 24 hours after you accept an offer. Bank 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, bi-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.