--- title: "Wayflyer: Business Financing, Built for Growth" description: "Wayflyer has provided $7b+ to 7,000+ businesses across eCommerce, retail, software & services. Apply in less than 10 minutes and access capital in hours." canonical: "https://wayflyer.com/" locale: "en" --- # Financing built for growing businesses. Apply in less than 10 minutes. Capital deployed so far: $7,083,700,000 From $10k to $20m. No personal guarantees. No equity taken. Backed by world-leading financial institutions. 4.6 Stars from 500+ Reviews [Apply now](https://app.wayflyer.com/authn/signup) ## How to apply - Tell us about your business - Securely connect your platforms - Get approved for financing ## Trusted by 7,000+ businesses of all sizes [Customer stories](/our-customers) ## Application Process Make funding your business a breathtakingly smooth experience. No, seriously. ### 01. Confirm your eligibility Tell us about your business so we can confirm your eligibility. ### 02. Submit an application Provide the additional information we need to complete a financial review. ### 03. Get approved for financing A fast, definitive answer. Know your approved amount and unlock funding within the hour. ## Terms Choose terms that are tailored to how your business operates. ### Simple, transparent pricing You know the full cost before you accept. No hidden charges or complicated fee structures. ### Choose how you repay Pick a bi-weekly or monthly repayment schedule. Repay in fixed amounts or as a percentage of sales. ### No equity taken. We don't take equity, so you keep full control. ### No spend restrictions. Use funds however your business needs. ### No personal guarantees. We fund the business, not the person. ## Customers “Wayflyer isn’t just a finance provider they’re a strategic growth partner for founders looking to scale quickly while maintaining ownership. Wayflyer is a gamechanger.” When Sephora came calling, they had to fund inventory for 235 stores nationwide before a single sale. Wayflyer made the launch possible. [Read full story](/our-customers/actandacre) **$20M** — Additional revenue tied to Wayflyer Wayflyer funds future growth, not just proven history. [Read full story](/our-customers/true-classic) Ghost Golf Ghost Golf customer story in 30 seconds “We applied and got the money pretty quickly. But the team really wanted to get to know me, my business model, and what the money was for.” Pandemic pricing pushed her oats from 93 cents to $4 a pound. Wayflyer funded truckload-sized orders that pulled costs back down and kept every blend on the shelf. [See more stories](/our-customers) **150%** — Year-on-year growth Wayflyer helped Sierra Madre Golf scale inventory, marketing and its team. [Read full story](/our-customers/sierra-madre-golf) Kekoa Foods Kekoa Foods customer story in 30 seconds **15 → 100** — Retail store expansion underway From 15 stores toward a 100-door retail push, backed by a funder who looked at a bootstrapped jewelry brand and saw the potential. [Read full story](/our-customers/little-words-project) Sand Cloud Sand Cloud customer story in 30 seconds “Before Wayflyer we had a venture debt deal and it was very stressful. The second we switched over, everything was easy.” Venture debt came with pressure and restrictions. Wayflyer funds the inventory instead, so stock arrives ahead of each season without the stress attached. [Read full story](/our-customers/ta3) **24 hours** — From application to money in the bank. Wayflyer made funding fast, efficient, and easy for Spongellé. [Read full story](/our-customers/spongelle) True Classic True Classic customer story in 30 seconds “It’s good to have a partner like Wayflyer who understands how a business works, what it needs, and believes in our vision” Now Germany’s number one breakfast brand, with a Harry Kane cereal line on shelves and Wayflyer behind the retail rollouts. [Read full story](/our-customers/3bears) ## Underwriting Process Our underwriting engine uses data to fund your true potential. Here's how it works. ### 01 - Performance data in Securely connect to the Wayflyer platform so our proprietary models can assess your business performance in minutes. This creates a real-time picture of your financial health. ### 02 - Underwriting decision made Get approved for a financing amount in hours. Our financing experts act as an important human-in-the-loop, with verbal discussions for businesses above a certain size. ### 03 - Capital out Choose terms that are tailored to how your business operates. Having seen thousands of businesses in action, we understand the different funding needs and can adjust terms accordingly. ## Frequently asked questions **What is Wayflyer?** Wayflyer is a financing partner for fast-growing businesses across eCommerce, retail, software & services. Since launching in 2020, we've deployed over $7 billion to more than 7,000 businesses. Our data-led underwriting model means we make financing decisions in hours, not weeks - a speed traditional finance providers can't match. **What are the eligibility criteria to apply for financing?** To apply for Wayflyer financing, your business needs at least 6 months of trading history, $10,000+ in monthly sales and incorporation in a supported country: the US, Canada, UK, Ireland, Spain, Germany, Belgium, the Netherlands, Sweden, Denmark or Australia. **Will applying affect my credit score?** No. Wayflyer runs a soft credit check when reviewing your application, so applying won't affect your credit score. Financing decisions are based on your business performance, not your personal credit history. **How much financing can I access?** Wayflyer offers financing from $10,000 to $20 million, tailored to your stage of growth. Whether you're an early-stage business or an established operator, your offer is based on your current business performance. **How quickly can I access funds?** Applying to Wayflyer takes less than 10 minutes, with a decision in as little as 24 hours. Most businesses receive funds within hours of accepting their offer. **What fees do Wayflyer charge?** Wayflyer charges a single fixed fee, agreed upfront before you accept your offer. The fee depends on your business profile and the financing term, and there are no origination, prepayment, late payment or hidden fees. You'll see the exact total repayment amount before you commit. **How do repayments work?** Wayflyer repayments depend on the structure you choose: fixed installments with a Term Loan, or a percentage of revenue with a Cash Advance. Either way, 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. ## The future of financing is available today. [Apply now](https://app.wayflyer.com/authn/signup) [Speak to us first](/contact-us)