Working capital built
    for your business.

    From marketing to upgrades,
    get the capital you need to keep your business moving.

    Start application

    We've funded over $5 billion to help SMBs grow.

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    Don’t just take our word for it.

    Rated 4.8/5 based on 400+ reviews.

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    Five star rating

    Zuverlässiger Partner

    Schnelle Abwicklung, faire Konditionen und ein sehr hilfsbereiter Support. Die flexible Rückzahlung passt perfekt zu unserem Business. Klare Empfehlung!

    Author avatar
    Jan Eric Hesse17 Dec
    Five star rating

    Great customer service

    Great customer service. Funding in our industry is hard to come by, so we were pleased to receive such a large option for funding, when we decided to take much less than offered, Paddy at WayFlyer and his team didn't bat an eye. They have been incredible to work with. Low fees, very communicative, on top of things, crystal clear messaging, no deception. Interested in funding, work with WayFlyer.

    Author avatar
    Aaron Klein08 Dec
    Five star rating

    Working with the Wayflyer.com Sales…

    Working with the Wayflyer.com Sales Manager named Cian O'Neil has been an extremely enjoyable process. Knowledgeable, Fast, and Courteous. I highly recommend them!

    Author avatar
    Aurelio Barreto05 Dec
    Five star rating

    Great service and fast turnaround

    Great service and fast turnaround, perfect for our growing business!

    Author avatar
    Daryl Johnson28 Nov
    Five star rating

    Super Fast + Great communication!

    I'm on my second loan with Wayflyer and have had two really great experiences. Awesome communication and funds come in super quick. Everything is simple and straightforward. Grateful for their help right before the big holiday rush! Will continue working with them for more loans to come!

    Author avatar
    Matt Fracek26 Nov
    Five star rating

    Son muy efectivos y eficientes y son de…

    Son muy efectivos y eficientes y son de confianza ,hos recomendamos y contacten con ellos

    Author avatar
    Tereza Cipra Horna26 Nov
    Five star rating

    The service that Daniel and Jordan…

    The service that Daniel and Jordan provided from Wayflyer was exceptional! They spent the time to develop a personal relationship, understand my business and the needs of my business and then provide a fair and appropriate financing solution. They were patient with me as we had a few technical glitches with the app due to some updated security features on my phone, but we work through those and we got the deal done. I was very impressed with the service and the rate provided.

    Author avatar
    Adam Schell20 Nov
    Five star rating

    this has been a very great company to…

    this has been a very great company to work with from the start the explain every question and walk you through every step. also thank you for peter paul for always assisting and being 1 email away to having all my questions answered

    Author avatar
    What not31 Oct
    Five star rating

    Let me shout out how amazing Harriet…

    Let me shout out how amazing Harriet Mannion has been! 2 years of meeting our needs and helping us scale to levels we never could have achieved without an efficient borrowing partner.

    Author avatar
    Austin Baiseri24 Oct
    Five star rating

    Alyssa Dotterer was great to work with!

    Alyssa Dotterer was great to work with! She is very responsive and was quick to answer any questions or concerns that I had. I really appreciate how their finance team was open to feedback and was able to structure an offer that made sense for our current company position. I would definitely recommend Wayflyer to a friend!

    Author avatar
    Fabian Araujo21 Oct
    Five star rating

    An Incredible Team to Work With!

    Working with the Wayflyer team has been an absolute pleasure. They're professional, responsive, and genuinely invested in our growth. More than just a funding partner, they feel like a true extension of our team. Thanks to their support, we’ve been able to scale faster and with confidence. Huge thanks to the entire Wayflyer team – you're amazing!

    Author avatar
    Ceylan Erdoğan08 Oct
    Five star rating

    Wayflyer and specifically Peter Paul is…

    Wayflyer and specifically Peter Paul is fabulous to work with and helped us get the funding we needed quickly. We've used them several times over the years for short-term loans that helped us purchase inventory as we head into a busy season.

    Author avatar
    Carrie Allen29 Sept

    Financing built for businesses of all sizes.

    purple-clock Apply in minutes, not days.

    Our AI-driven underwriting will process your application quickly, so you spend time growing your business, not filling out forms.

    purple-lot-of-cashOne simple, transparent fee.

    One simple, fixed fee disclosed upfront. There are no interest rates, closing fees, or monitoring fees.

    purple-book-lockReduced personal risk.

    Our working capital product is tied to your business, not to you. We do not require personal guarantees for any of the products that we sell.

    Wayflyer helps businesses manage cashflow and grow their business.

    Flexible repayment structure.

    Choose a bi-weekly or monthly repayment schedule that aligns with your own cashflow cycle, avoiding any surprises or spikes.

    Dashboard showing expenses and statistics. Left: Expenses for employee salaries, rent, and insurance. Right: Bar chart and $400K available funds notice.

    Grow your customer base faster.

    Invest in marketing, promotions, and local advertising now, and have new customers walk through your doors sooner.

    Graphical interface displaying financial data. Top shows "Capital in hours" with icons and a person's profile. Below, bar chart compares cash availability, highlighting $92K and $700K finance offer.

    Manage seasonal
    fluctuations.

    Ensure you have enough cash to build inventory before peak season and to fund staffing costs during peak season.

    Dashboard showing Cool Consulting Inc.'s financial overview. Includes project costs, $90,000 due, and $200K in funds, with options to cover expenses.

    Fund growth and expansion.

    Let Wayflyer help you open a new location or hire new associates to scale your firm’s capacity.

    Dashboard showing financial and business metrics. Available funds: $500K. Associates: 70+, up 24%. Locations: 30+, up 37%. Professional tone.

    Stay resilient.

    Handle unexpected expenses like equipment repairs, bulk supplier payments, or urgent staffing needs without putting growth on pause.

    A digital calendar for September 2025 from Cool Consulting Inc. shows a highlighted date. A sidebar notes a $50K partner draw on September 11th, marked "Paid on Time."

    Are you eligible for financing?

    24+ months in business

    card showing a business should have at least 24 months of business

    $10,000+ monthly sales

    Operate in a supported country

    Business must be incorporated in the AU, US, or UK

    Frequently Asked Questions