Wayflyer
Revenue-based finance lender that suits ecommerce Ltd companies whose trading history sits in store and ad-platform data rather than filed accounts. Wayflyer underwrites on Shopify, Amazon and Stripe feeds, so a six-month-old D2C brand with strong sales can clear where a high-street term loan auto-declines. Repaid as a fixed share of daily revenue, priced as a fixed fee disclosed at offer. Best fit for inventory and marketing funding on growing online brands. Not a fit for B2B service Ltds or pre-revenue applicants.
Quick verdict
- Product: Revenue-based finance for ecommerce.
- Ticket band: £10k to £20m.
- Pricing: Fixed fee 2% to 8% of the advance.
- Wayflyer says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Wayflyer, at a glance
- Legal entity
- Wayflyer UK Limited
- Companies House
- 12294939
- Founded
- 2019
- Product
- Revenue-based finance for ecommerce
- Ticket range
- £10k to £20m
- Decision time
- 24 to 48 hours
- Ltd-only
- Yes
Where Wayflyer is strong
- Underwrites on Shopify, Amazon and Stripe data, so six months of trading can be enough where filed accounts are thin.
- Repayments flex with sales, so a quiet week costs less than a busy one.
- Fixed fee disclosed at offer with no compounding interest, so the total cost is known up front.
- Decisions in 24 to 48 hours once the store and ad data are connected.
Watch-outs, and when another lender may suit better
- Ecommerce only, so B2B service Ltds and businesses with no online sales feed won't qualify.
- The fixed fee converts to a high effective cost if revenue grows fast and the advance repays quickly.
- Funds are usually restricted to inventory or marketing spend rather than general working capital.
- Not FCA regulated as the product is commercial, so the consumer-credit protections do not apply.
Best fit applicants
- Shopify, Amazon and D2C Ltds with 6+ months of trading
- Inventory and ad-spend funding for growing online brands
- Ecommerce applicants who want speed and revenue-flexed repayment
Where Wayflyer is the wrong fit
- B2B service Ltds with no online sales feed, consider invoice finance or asset finance
- Pre-revenue applicants, consider Start Up Loans Company
- Borrowers who want a fixed monthly payment, consider Funding Circle or Allica
If declined by Wayflyer
If your application to Wayflyer is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Wayflyer
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Wayflyer?
Wayflyer offers revenue-based finance for ecommerce. Ticket range: £10k to £20m. Typical rate: Fixed fee 2% to 8% of the advance.
How long does Wayflyer take to decide?
24 to 48 hours Wayflyer says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Wayflyer the best fit for?
First on the list: Shopify, Amazon and D2C Ltds with 6+ months of trading. The full list is under Best fit applicants above.
When might another lender suit better than Wayflyer?
First on the list: B2B service Ltds with no online sales feed, consider invoice finance or asset finance. The other cases are under Where Wayflyer is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Wayflyer
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.