Wayflyer

Panel revenue-based finance lender we route ecommerce Ltd companies to when the 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 routing verdict

  • Product: Revenue-based finance for ecommerce.
  • Ticket band: £10k to £20m.
  • Decision time: 24 to 48 hours.
  • Pricing: Fixed fee 2% to 8% of the advance.
  • Soft search at quote stage: no credit-file footprint.

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 (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-06-27

Why we route here

  • 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.

When we route elsewhere

  • Ecommerce only, so B2B service Ltds and businesses with no online sales feed will not 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, route to invoice finance or asset finance
  • Pre-revenue applicants, route to Start Up Loans Company
  • Borrowers who want a fixed monthly payment, route to Funding Circle or Allica

If declined by Wayflyer

If your application to Wayflyer is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Wayflyer decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Wayflyer and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-06-27. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+