One account to manage
your working capital.

The Wayflyer working capital account combines financing, banking, and AI analytics in one place, with a live balance of available funds that grows with your business. Since launching in 2020, Wayflyer has deployed over $7b to more than 7,000 businesses.

Bank account and features such as payments and interest on deposits are currently available subject to criteria: • You must be a US-based company • You must sell physical products • Your primary sales channel should include online sales • Your business must have been operating for at least 6 months Companies in retail, software or services that have been trading for 2+ years, and companies in other regions, can still access financing products and Wayflyer Intelligence, with access to banking products expanding soon.

Wayflyer offers financing from $10,000 to $20 million, tailored to your stage of growth. Your limit is based on your current business performance and grows as your business does, so you always know what you can access and can draw down what you need, when you need it. There are no spend restrictions: use funds for inventory, marketing, hiring, receivables, equipment or everyday cash flow.

Applying takes less than 10 minutes, and once your data is connected you receive your approved limit in hours. When you're ready to draw, funds land in your account in as little as 24 hours.

No. Financing decisions are based on your business performance, not your personal credit history. Wayflyer runs a soft credit check when reviewing your application, so applying won't affect your credit score, and Wayflyer doesn't ask for personal guarantees.

You don't need lengthy paperwork. You connect your sales data and bank account so Wayflyer can review your business performance. For larger financing amounts, Wayflyer may also ask for financial accounts.

No. A Wayflyer working capital account has no monthly fees or setup costs, and you can open one in minutes. Financing carries a single fixed fee agreed upfront, with no origination, prepayment, late payment or hidden fees, so you see the exact total repayment amount before you commit.

Repayments depend on the financing structure you choose: fixed payments 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.

Yes. It's an interest-bearing business checking account that pays 2.68% APY on all deposits, with no minimum balance requirement and no tiering, so your whole balance earns the same rate.

Funds on deposit are eligible for FDIC insurance up to $3M via Thread Bank, which is 12x the standard limit. Wayflyer is a financial technology company and not an FDIC-insured bank. FDIC deposit insurance covers the failure of an insured bank, and certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

You pay suppliers from your Wayflyer account at the click of a button. Same-day ACH and USD international wires are free, and non-USD payments carry a flat 1% currency exchange fee.

Wayflyer offers multi-factor authentication, user-level permissions and ongoing fraud monitoring. You can manage your working capital from anywhere with the native mobile app, and get rapid responses to support queries plus an account manager for financing questions.

Intelligence is Wayflyer's analytics agent. It works on your data around the clock, flagging what matters to your cashflow and surfacing your next move, and you can ask it questions such as how revenue trended across the last quarter.