Wayflyer: products, terms and eligibility

Wayflyer is a UK provider of revenue-based finance. The legal entity named on its site is Wayflyer Limited (registered in Ireland), company number 602786. It is based in Dublin (global headquarters); London office. It gives its founding year as Launched 2020.

Wayflyer says it was established in 2019 by Aidan Corbett and Jack Pierse, with its first capital deployed in 2020. Its global headquarters is in Dublin, with offices in Charlotte, London, New York and Sydney. It says it expanded beyond ecommerce in 2025 to serve small businesses across major industries.

In its own words on scale:

• Says it has funded 6,583+ businesses and serves thousands of customers across 11 countries (figure on its site in October 2026).

Everything on this page comes from what Wayflyer publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Wayflyer publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Cash Advance: A percentage of sales, repaid daily, weekly or every two weeks; unsecured.
• Term Loan: Fixed repayments daily, weekly or every two weeks; optional security.
• Rolling Financing: Repeat access to Cash Advance or Term Loan without reapplying; you pay only for what you draw.

Cash Advance

Upfront capital in exchange for a share of future sales, repaid by daily, weekly or bi-weekly collections tied to sales, over an estimated 3 to 9 months. Unsecured.

Term Loan

A lump sum repaid in fixed amounts on a set schedule, daily, weekly or bi-weekly, over 3 to 9 months. Security is optional.

Rolling Financing

Draw funds up to a pre-approved credit limit and pay only for what is drawn, on a 12-month contract. Repayments follow the underlying Cash Advance or Term Loan, with limits that can rise with performance.

Wayflyer says its finance is used for:

• Inventory purchases
• Marketing spend
• Seasonal cashflow
• Growth initiatives

Sectors and business types it says it funds:

• Ecommerce
• Retail (physical and multichannel)
• Software and SaaS
• Hospitality
• Service businesses

Wayflyer publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• At least 6 months of trading history (home page).
• £10,000+ in monthly sales (home page).
• Incorporated in a supported country including the UK and Ireland.
• Broker page asks for £30K+ average monthly revenue over the last 3 months.
• Broker page asks for 2+ years in business (1 year for SaaS).
• Broker page: no bankruptcy or fraud in the last 5 years.
• Broker page: no more than 3 active cash advance liens.

Wayflyer describes its process like this:

1. Apply and onboard to get broker portal access.
2. Submit the client’s details through the portal.
3. A single application determines eligibility for all products.

Every application is subject to status and the lender’s own criteria at the time.

Revenue-based finance, which includes merchant cash advances, is an advance repaid as an agreed share of your sales, so repayments rise and fall with takings. The cost is usually a fixed amount agreed at the start, not interest that builds over time, which means repaying sooner does not normally reduce it.

Providers look mainly at your card or online sales history. It tends to suit businesses with steady card takings, such as hospitality venues and retailers.

Points Wayflyer publishes that are worth knowing:

• Says there are no personal guarantees.
• Says it takes no equity.
• Cash Advance is unsecured; security on a Term Loan is optional.
• Says it runs a soft credit check that does not affect your credit score.
• Says it charges one fixed fee agreed up front.

Security and guarantees

Cash Advance is unsecured; Term Loan security is optional. Wayflyer says there are no personal guarantees.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Wayflyer how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of revenue-based finance with profiles here include YouLend, Liberis and 365 Finance. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.