---
title: "28-Day Payment Holiday for Black Friday | Wayflyer"
description: "Get set for Black Friday. Wayflyer's 28-day payment holiday gives you time to put your capital to work before your first payment."
canonical: "https://wayflyer.com/ie/payment-holiday"
locale: "en-IE"
---

Capital deployed so far: €6b+

# Does your business need some winter sun? (Working capital)

**Payment holiday for those going places.**

Get the funding you need today. Make your first payment 28 days later.

Apply by Oct. 16th

## Apply in minutes to see if your business qualifies.

Give yourself time to put your capital to work before your first payment. Open to businesses incorporated in the US, Canada, the UK and Australia.

- Funding from €10k to €20m
- Receive funds in as little as 24 hours
- No personal guarantees, zero equity taken

Terms and conditions apply. Subject to underwriting review.

[Read terms and conditions](https://wayflyer.com/ie/payment-holiday-terms)

## From funding to first payment

- Today: Funds land today — €50k in your account
- Your business: POs paid, Stock ordered & shipped, Stock lands; Stock selling, BFCM, Post-BFCM sales
- Your repayments: No repayments; Day 28: first payment — Repayments from sales, until repaid

Illustrative timeline. €50k is an example. Repayments continue until repaid. Subject to approval. Terms apply.

> “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

[Apply now](https://wayflyer.com/ie/payment-holiday#payment-holiday-form)

## Frequently asked questions

**What is a payment holiday?**

A payment holiday delays your first repayment. With this promotion, your first scheduled payment is deferred by 28 calendar days from the date your funds are deployed, giving you time to order stock, get it landed and start selling before repayments begin. After that, repayments follow the schedule in your financing agreement. Terms and conditions apply.

**What are the eligibility criteria to qualify for the payment holiday?**

You need at least 6 months of trading history, €10K+ in monthly revenue, and operations in the US, UK, Canada or Australia in a supported industry (eCommerce, retail, healthcare, SaaS and more).

**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.

**Do I need a personal guarantee, collateral, or to give up equity?**

No. Wayflyer funding is unsecured: no personal guarantees from founders, no collateral, and no equity given up.

**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 repayments work?**

It depends on the product: fixed installments with a Term Loan, or a percentage of revenue that flexes with your sales with a Cash Advance. Either way, you set them to bi-weekly or monthly through your Wayflyer dashboard, and the total repayment amount is agreed before you accept your offer.

**What documents do I need to provide?**

No lengthy paperwork. You connect your sales data and bank account so Wayflyer can review your business performance. For larger financing amounts, we may also ask for financial accounts.

**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.