1. Speak with our Wholesale team
Our financing experts will guide you through the process and help structure a funding solution for your specific needs.
2 MINInventory financingfor CPG brands selling into retail
Access capital before a PO comes in, so you can bridge the entire
cashflow gap from production through to retailer payment.
Trusted by 7,000+ sellers worldwide
Inventory financing to expand
your retail footprint.
A smarter alternative to PO financing and invoice factoring
Our funding isn't tied to specific orders - we send cash directly to your bank. We can replace your invoice financing provider or work alongside them to provide complete coverage.
Higher funding limits than ABLs
Our underwriting process focuses on your performance, not your asset base, giving us the confidence to offer higher limits than traditional options can. Access more capital at very competitive rates.
A long-term wholesale
financing partner
Get ongoing access to inventory financing, so you can scale production and accept larger retailer orders without straining cashflow. We've financed 6,000+ consumer brands and deployed over €5B - your team gets dedicated support and industry insights alongside the capital.
Want to learn more?
Speak to our CPG financing experts
Transparent, flexible terms
Repay the inventory financing amount, plus a fixed fee, in set weekly instalments. No hidden payments beyond that. Choose what works best for your cashflow.
Limited risk
We don't secure against your inventory like an asset-based lender (ABL) would. We don’t require a personal guarantee like a bank would. We don’t take an ownership stake like equity financing does.
A hassle-free process
Our underwriting process is quick and comprehensive, eliminating lengthy paperwork and drawn-out reviews. Simply create a Wayflyer account, connect your systems and receive a financing offer in as little as 24 hours.
Don’t just take our word for it.
We’ve funded 7,000+ brands.
Rated 4.6/5 based on 500+ reviews.
Showing our 5 star reviews at Trustpilot.
A great partner in business
Have been working with Wayflyer since November 2025, they make it easy when our business needs funding for large purchases and everyday working capital. The approval process is easy and the rates are really good. Would highly recommend.
Peter Paul and the team at Wayflyer…
Peter Paul and the team at Wayflyer have moved from being a supplier to becoming a partner that really has taken the trouble to understand our business, seasonality's, products and trends. Whilst other lenders seem to be stuck in the past of looking at filed accounts and bank statements, Wayflyer look at the immediate detail
I had a great experience with Wayflyer
I had a great experience with Wayflyer, especially thanks to Clodagh Graham. She was professional, responsive, and genuinely worked to find the best funding solution for my business. She even managed to increase my approved funding after discussing my requirements with the funding team, which made a real difference for our inventory planning. The entire process was smooth, communication was excellent, and I always felt supported. I highly recommend Wayflyer to growing e-commerce businesses, and I especially appreciate Clodagh’s dedication and outstanding customer service.
Clodagh has been excellent to work…
Clodagh has been excellent to work with. She really goes to bat for your business and tries to yield the best possible outcome. We've worked with her 3 different times in the past year.
Extremely fast and easy service
Extremely fast and easy service. Would recommend for anyone looking for fast capital to scale now
Peter Paul and the team at Wayflyer are…
Peter Paul and the team at Wayflyer are an enormous benefit in helping our continued growth. at 100%YoY growth so far we are using their support and guidance to ensure this continues throughout 2026. Wayflyer look at the WHOLE business and use their amazing analytical tools to both make decisions and, via the portal, allow us to see what they see. Thanks
Funded in a week, straight shooters
Funding hit our account inside a week. From first call to money in the bank, the whole thing moved faster than I thought possible. What stood out was how straightforward they were. No games, no bait and switch, no fine print surprises. The rate they quoted was the rate we got. Terms were clean and made sense for our business. You can also tell they actually care about the client side of it. Felt like they wanted us to win, not just close a deal. Rates and terms were genuinely some of the best we've seen. Would recommend to any founder who needs growth capital without the runaround.
Amazing service
Wayflyer and our account manager Peter have been amazing to deal with on our funding journey! I’ve found the whole process to easy and reliable and it’s helped us grow so much as a small business and allowed us to purchase larger stock orders / manager cash flow better :)
Kane is quick and straight to the…
Kane is quick and straight to the point, I love working with him. Wayflyer as a company is really the best out there when it comes to MCAs because they are transparent with their fees and very flexible with the deployment of capital and payments. By adjusting the deployment date and figuring out when the repayments will come out, we are able to have the perfect cashflow!
Incredibly easy and smooth process
Incredibly easy and smooth process, highly recommend.
Amazing team
Amazing team! Having dealt with financing a LOT and having lots of 'computer says no' feedback the guys at Wayflyer really stopped to listen about what we were trying to achieve, believed in the brand and the strategy, and on the back of that + the numbers they can see from Shopify/Meta/Google were confident to back us on our growth journey. Special shout out to Sarah who was amazing :)
Kane was very helpful
Kane was very responsive, easy to work with and helped get to a place that was good for both parties.
Apply in minutes.
Access capital in hours.
1. Speak with our Wholesale team
Our financing experts will guide you through the process and help structure a funding solution for your specific needs.
2 MIN
2. Securely share your financials for review
Our underwriting team will assess your historical financials and forward-looking projections, then send you tailored offers to choose from.
10 MINS
3. Select an offer
Choose a financing offer that works best for your business. Once approved, we can send the funds to your bank in as little as 24 hours.
24 HOURSAre you eligible for financing?
€250,000+ annual sales
6+ months in business
Sell in a brick-and-mortar store
Based in the US, UK or Australia
Frequently asked questions
Inventory financing is a form of business funding that gives brands the capital to produce or purchase the inventory they need to fulfil wholesale and retail orders. It bridges the cashflow gap between production costs and retailer payment, typically 30 to 120 days, so brands can accept larger orders than they could fund from working capital alone. Unlike purchase order financing, it isn't tied to a single confirmed order; unlike invoice factoring, it's advanced before shipment rather than after.
Traditional purchase order financing ties each loan to a single confirmed PO and typically requires the lender to take ownership of that PO, pay your supplier directly, and collect from the retailer. Wayflyer's wholesale financing works differently: funds go straight to your bank account, based on your overall trading performance, and you choose how to deploy them - production, stock, or multiple retailer orders at once.
To qualify, your brand needs at least €250,000 in annual sales, at least 6 months of trading history, distribution through at least one brick-and-mortar retailer, and operations in a supported country: US or UK.
Wayflyer provides inventory financing up to €20M per brand. The limit offered is based on your trading performance rather than your asset base, which typically allows Wayflyer to extend higher limits than asset-based lenders (ABLs), PO financiers, or traditional banks would for brands at the same stage. Wayflyer has deployed over €5B in financing to 6,000+ businesses worldwide.
Invoice factoring advances you a percentage of an unpaid invoice after you've already shipped, at a discount, and the factor typically takes over collection from the retailer. Wayflyer's inventory financing funds you before you ship - so you can produce the order in the first place - at a fixed fee rather than a discount on your receivables, and without inserting a third party between you and the retailer.
The inventory financing landscape includes traditional asset-based lenders, invoice-factoring providers, purchase order financiers, and newer performance-based lenders like Wayflyer. The right provider depends on whether you need ongoing access to capital or a one-off facility, how much flexibility you want in how you deploy the funds, and whether you accept a lien on your inventory. Wayflyer is designed for CPG brands shipping into wholesale and retail that want ongoing, flexible inventory financing underwritten on trading performance rather than asset base.
Most businesses receive funds within hours of accepting their offer.
We charge a single, fixed fee agreed upfront. There are no hidden costs or complicated fee structures. You'll know exactly what you owe from day one.