---
title: "Small Business Loans | Up to $1M | Wayflyer"
description: "Get a small business loan up to $1M at better rates with no personal guarantees. Apply in minutes with no impact on your credit score."
canonical: "https://wayflyer.com/small-business-loans"
locale: "en"
---

# Small business loans, made simple.

Get up to $1m based on your business performance - no personal guarantee, no lengthy bank process, and capital in your account in hours.

[Apply now](https://app.wayflyer.com/authn/signup)

## Are you eligible?

- 12+ months in business
- $10,000+ monthly sales
- Based in the US, UK or Australia
- Operate in supported industry

## Apply in minutes. Access capital in hours.

### Step 1: Submit an application

Securely share a few details about your business. It takes less than 10 minutes and won't affect your credit score.

### Step 2: Get a tailored offer

We'll review your performance and come back with financing options that fit your business.

### Step 3: Receive your funds

Once you accept, we can send the funds straight to your bank in as little as 24 hours.

[Apply now](https://app.wayflyer.com/authn/signup)

> “The big banks just can’t move quickly enough. They’re too constrained by processes and risk aversion.”
> — Robb Harris, Stokeview Advisory

## Why ambitious businesses choose Wayflyer

### No personal guarantees

Your personal assets stay out of it. We fund the business, not the person behind it.

### No spend restrictions

We send cash directly to your bank account - use it however you see fit.

### One fixed fee

You know the full cost before you accept. No hidden charges or complicated fee structures.

## Apply fast, with no impact to your credit score.

[Apply now](https://app.wayflyer.com/authn/signup)

[Speak to an advisor](/contact-us)

## Frequently asked questions

**What is a small business loan?**

A small business loan gives your business a lump sum of capital upfront, which you repay over a set period.

**Do small business loans require a personal guarantee?**

Not with Wayflyer. Unlike most business lenders, we don't ask for personal guarantees, so your personal assets stay protected. We fund the business, not the person behind it.

**Will applying affect my credit score?**

No. We only run a soft credit check during the review process, so applying won't affect your score.

**How quickly can I access funds?**

Most businesses receive funds within hours of accepting their offer.

**How is interest calculated?**

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.

**Can I repay the loan early?**

Yes, some customers choose to repay early. There are no additional fees for early repayment - the total amount owed remains the same.

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

We keep it simple to avoid lengthy paperwork. You simply connect your bank account so we can review your business performance. For larger amounts, we may also ask for financial accounts.