--- title: "Flexible Financing for Ambitious Businesses | Wayflyer" description: "Flexible financing built for ambitious SMBs and DTC brands. $5K to $20M in as little as 24 hours — one flat fee, no compounding interest, no equity, no collateral, and no impact on your credit score." canonical: "https://wayflyer.com/ie/flexible-funding" locale: "en-IE" --- €6b deployed to 7k+ businesses worldwide # Get a funding offer in hours with an easy 10-minute application - Up to €20m in funding - Receive funds in as little as 24hrs - No collateral, zero equity taken [Get funding offer](https://app.wayflyer.com/authn/signup) 4.6 Stars from 500+ Reviews · Applying won't affect your credit score ## Helping 7,000+ SMBs and DTC brands scale without giving up equity > Banks look at your history and want to see proven results whereas Wayflyer can underwrite some of your future growth and revenue in order to finance your operations. > — Ben Yahalom, CEO, True Classic > It's what made Wayflyer such a hero because they just have such a profound understanding of the DTC landscape and they really took the time to understand our business and our business's needs so they just knew it wasn't a risk and were happy to support us. > — Adriana Carrig, CEO, Little Words Project > We spoke to several funding providers. In the end, choosing Wayflyer was a no-brainer, they had much better rates than everyone else and were flexible in how they structured the repayments for us. The process was super quick and easy. > — Clark Bigler, CFO, Pillow Cube ## A faster, fairer way to fund your next move Banks judge you on credit history. Investors want a piece of your business. We do neither. Connect your sales data, get a tailored offer in hours, and pay one flat fee. [Apply now](https://app.wayflyer.com/authn/signup) | Common questions | Wayflyer | Banks | Equity Financing | | --- | --- | --- | --- | | How fast will you get funded? | As soon as 24 hours | 60-120 days | 6-12+ months | | What do they approve you on? | Business performance data | Credit + collateral | Pitch + data | | Will you need a personal guarantee? | Not required | Usually | No, just shares | | One clear flat fee, agreed upfront? | One flat-fee | Interest + fees | Cut of profits + sale | | Can you spend it however you want? | Yes | Often restricted | Investors get a vote | | Early repayment penalties? | None | Often | N/A | > What attracted us to Wayflyer was the ease of use, the efficiency of the partnership and the speed at which we received funding... working with Wayflyer kind of gives us the peace of mind to know that we can take on these new challenges. > — Eric Binder, COO, Spongellé **€800k** — Annual growth rate > Wayflyer was really able to help bridge that financial gap from initial pouch creation to being on the shelf and receiving the money so that we could keep things going... everyone was super personable, they really wanted to make sure that our brand succeeded. ## How to apply for funding with Wayflyer ### Tell us about your business. Once you've created an account, take a moment to share some details about your business. ### Securely connect your platforms. We analyse your performance using read-only data, then send you tailored financing offers. ### Select an offer. Once approved, we can send the funds to your bank in as little as 24 hours. [Start your application](https://app.wayflyer.com/authn/signup) ## You're eligible for funding if your business: - Has 12+ months of trading - Is based in the US, UK or Australia - Makes more than $10,000 a month - Operates in a supported industry ## Hit your growth goals like these businesses > 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 **10X** — YoY Sales Growth > Banks look at your history and want to see proven results whereas Wayflyer can underwrite some of your future growth and revenue in order to finance your operations. [Read full story](/ie/our-customers) ## Frequently asked questions **What do I need to qualify?** You need at least 12 months of trading history, $10K+ in monthly revenue, and operations in the US, UK, or Australia in a supported industry (ecommerce, retail, healthcare, SaaS and more). **How much can I borrow?** Wayflyer funds anywhere from $5,000 up to $20 million. The exact amount we can offer you depends on your sales data and what we believe you can comfortably repay. **What are Wayflyer's fees?** One transparent flat fee, agreed upfront — no compounding interest, no late fees, no hidden charges. Your repayment total is fixed from day one. **What can I use the funding for?** Anything that helps your business grow — inventory, marketing, payroll, equipment, expansion. There are no spend restrictions. **What happens if my sales slow down?** If you're on our Cash Advance product, repayments flex with your sales, so slower months mean smaller payments. We work with you on a plan if needed. **Do I need collateral, or to give equity or a personal guarantee?** No. Wayflyer funding is unsecured: no collateral, no equity given up, and no personal guarantees from founders. **Does applying affect my credit score?** No. Reviewing your offer with Wayflyer does not impact your personal credit score in any way. **How quickly can I access funds?** Most customers receive their funds in as little as 24 hours after accepting an offer. **How do I make repayments?** Repayments are managed through your Wayflyer dashboard — set them to bi-weekly or monthly, whichever works best for your cashflow. **Can I repay the loan early?** Yes. You can pay off early at any time directly from your dashboard, with no early repayment penalties. **Can I get more funding later?** Yes. Most customers come back for additional rounds. Once you're a Wayflyer customer, accessing more capital is fast and easy. **Can I get more than one round of funding?** Absolutely — many of our customers run several rounds in parallel across different products like Cash Advance and Rolling Financing. **Can I talk to a real person if I need help?** Yes. Every Wayflyer customer gets a dedicated account manager and access to our support team, in addition to the in-app help center. **Who backs Wayflyer?** Wayflyer is backed by top-tier institutional partners including J.P. Morgan, with billions of dollars available to deploy to growing brands. ## Your next growth move is waiting. Tell us a bit about your business and we'll show you how much you can borrow and on what terms. It's free, it won't touch your credit score, and you're under no obligation to take it. [Apply now](https://app.wayflyer.com/authn/signup) [Speak to us first](/ie/contact-us)